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$100,689
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,821
−HK$3,182/mo
Today · 4.125%
HK$107,003
baseline
▲ 0.50% · 4.625%
HK$113,514
+HK$6,511/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$214,006/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,015
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,020
−HK$3,047/mo
Today · 4.125%
HK$118,067
baseline
▲ 0.50% · 4.625%
HK$124,291
+HK$6,224/mo
Deposit HK$22.08M · loan HK$22.08M · min. income ≈ HK$236,134/mo (50% DSR)
Upfront cash ≈ HK$23.96M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,827
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$124,585
−HK$3,818/mo
Today · 4.125%
HK$128,403
baseline
▲ 0.50% · 4.625%
HK$136,217
+HK$7,814/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$256,806/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,418
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$138,023
−HK$3,658/mo
Today · 4.125%
HK$141,681
baseline
▲ 0.50% · 4.625%
HK$149,149
+HK$7,468/mo
Deposit HK$17.66M · loan HK$26.49M · min. income ≈ HK$283,362/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,964
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,349
−HK$4,455/mo
Today · 4.125%
HK$149,804
baseline
▲ 0.50% · 4.625%
HK$158,919
+HK$9,115/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$299,608/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,821
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$161,027
−HK$4,267/mo
Today · 4.125%
HK$165,294
baseline
▲ 0.50% · 4.625%
HK$174,007
+HK$8,713/mo
Deposit HK$13.25M · loan HK$30.91M · min. income ≈ HK$330,588/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,240
−HK$11,365/mo
▼ 0.25% · 3.875%
HK$186,878
−HK$5,727/mo
Today · 4.125%
HK$192,605
baseline
▲ 0.50% · 4.625%
HK$204,325
+HK$11,720/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$385,210/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,628
−HK$10,893/mo
▼ 0.25% · 3.875%
HK$207,035
−HK$5,486/mo
Today · 4.125%
HK$212,521
baseline
▲ 0.50% · 4.625%
HK$223,723
+HK$11,202/mo
Deposit HK$4.42M · loan HK$39.74M · min. income ≈ HK$425,042/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$1,876,665 · Scale 2, in force from 26 Feb 2026)