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$100,701
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,833
−HK$3,182/mo
Today · 4.125%
HK$107,015
baseline
▲ 0.50% · 4.625%
HK$113,527
+HK$6,512/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$214,030/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,028
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,033
−HK$3,048/mo
Today · 4.125%
HK$118,081
baseline
▲ 0.50% · 4.625%
HK$124,305
+HK$6,224/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,162/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,841
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$124,600
−HK$3,818/mo
Today · 4.125%
HK$128,418
baseline
▲ 0.50% · 4.625%
HK$136,232
+HK$7,814/mo
Deposit HK$17.66M · loan HK$26.50M · min. income ≈ HK$256,836/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,434
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,040
−HK$3,657/mo
Today · 4.125%
HK$141,697
baseline
▲ 0.50% · 4.625%
HK$149,166
+HK$7,469/mo
Deposit HK$17.66M · loan HK$26.50M · min. income ≈ HK$283,394/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,981
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$145,366
−HK$4,456/mo
Today · 4.125%
HK$149,822
baseline
▲ 0.50% · 4.625%
HK$158,938
+HK$9,116/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,644/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,840
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,046
−HK$4,267/mo
Today · 4.125%
HK$165,313
baseline
▲ 0.50% · 4.625%
HK$174,027
+HK$8,714/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,626/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,261
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$186,899
−HK$5,729/mo
Today · 4.125%
HK$192,628
baseline
▲ 0.50% · 4.625%
HK$204,349
+HK$11,721/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$385,256/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,651
−HK$10,895/mo
▼ 0.25% · 3.875%
HK$207,059
−HK$5,487/mo
Today · 4.125%
HK$212,546
baseline
▲ 0.50% · 4.625%
HK$223,749
+HK$11,203/mo
Deposit HK$4.42M · loan HK$39.75M · min. income ≈ HK$425,092/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,884 · Scale 2, in force from 26 Feb 2026)