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$100,335
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$103,456
−HK$3,171/mo
Today · 4.125%
HK$106,627
baseline
▲ 0.50% · 4.625%
HK$113,115
+HK$6,488/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$213,254/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,622
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$114,616
−HK$3,037/mo
Today · 4.125%
HK$117,653
baseline
▲ 0.50% · 4.625%
HK$123,854
+HK$6,201/mo
Deposit HK$22.00M · loan HK$22.00M · min. income ≈ HK$235,306/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,402
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,148
−HK$3,805/mo
Today · 4.125%
HK$127,953
baseline
▲ 0.50% · 4.625%
HK$135,738
+HK$7,785/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$255,906/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,947
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,539
−HK$3,644/mo
Today · 4.125%
HK$141,183
baseline
▲ 0.50% · 4.625%
HK$148,625
+HK$7,442/mo
Deposit HK$17.60M · loan HK$26.40M · min. income ≈ HK$282,366/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,470
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$144,839
−HK$4,439/mo
Today · 4.125%
HK$149,278
baseline
▲ 0.50% · 4.625%
HK$158,361
+HK$9,083/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$298,556/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,271
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$160,462
−HK$4,252/mo
Today · 4.125%
HK$164,714
baseline
▲ 0.50% · 4.625%
HK$173,396
+HK$8,682/mo
Deposit HK$13.20M · loan HK$30.80M · min. income ≈ HK$329,428/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,604
−HK$11,325/mo
▼ 0.25% · 3.875%
HK$186,221
−HK$5,708/mo
Today · 4.125%
HK$191,929
baseline
▲ 0.50% · 4.625%
HK$203,608
+HK$11,679/mo
Deposit HK$4.40M · loan HK$39.60M · min. income ≈ HK$383,858/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,920
−HK$10,855/mo
▼ 0.25% · 3.875%
HK$206,308
−HK$5,467/mo
Today · 4.125%
HK$211,775
baseline
▲ 0.50% · 4.625%
HK$222,938
+HK$11,163/mo
Deposit HK$4.40M · loan HK$39.60M · min. income ≈ HK$423,550/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,870,077 · Scale 2, in force from 26 Feb 2026)