The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$100,397
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$103,520
−HK$3,173/mo
Today · 4.125%
HK$106,693
baseline
▲ 0.50% · 4.625%
HK$113,185
+HK$6,492/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$213,386/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,691
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$114,687
−HK$3,038/mo
Today · 4.125%
HK$117,725
baseline
▲ 0.50% · 4.625%
HK$123,931
+HK$6,206/mo
Deposit HK$22.01M · loan HK$22.01M · min. income ≈ HK$235,450/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,477
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$124,224
−HK$3,808/mo
Today · 4.125%
HK$128,032
baseline
▲ 0.50% · 4.625%
HK$135,822
+HK$7,790/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$256,064/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,029
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$137,624
−HK$3,647/mo
Today · 4.125%
HK$141,271
baseline
▲ 0.50% · 4.625%
HK$148,717
+HK$7,446/mo
Deposit HK$17.61M · loan HK$26.42M · min. income ≈ HK$282,542/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,556
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$144,929
−HK$4,442/mo
Today · 4.125%
HK$149,371
baseline
▲ 0.50% · 4.625%
HK$158,459
+HK$9,088/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$298,742/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,368
−HK$8,448/mo
▼ 0.25% · 3.875%
HK$160,561
−HK$4,255/mo
Today · 4.125%
HK$164,816
baseline
▲ 0.50% · 4.625%
HK$173,503
+HK$8,687/mo
Deposit HK$13.21M · loan HK$30.82M · min. income ≈ HK$329,632/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,715
−HK$11,333/mo
▼ 0.25% · 3.875%
HK$186,337
−HK$5,711/mo
Today · 4.125%
HK$192,048
baseline
▲ 0.50% · 4.625%
HK$203,734
+HK$11,686/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$384,096/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,044
−HK$10,862/mo
▼ 0.25% · 3.875%
HK$206,436
−HK$5,470/mo
Today · 4.125%
HK$211,906
baseline
▲ 0.50% · 4.625%
HK$223,076
+HK$11,170/mo
Deposit HK$4.40M · loan HK$39.63M · min. income ≈ HK$423,812/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,871,234 · Scale 2, in force from 26 Feb 2026)