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$100,874
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$104,012
−HK$3,188/mo
Today · 4.125%
HK$107,200
baseline
▲ 0.50% · 4.625%
HK$113,723
+HK$6,523/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$214,400/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,221
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$115,231
−HK$3,053/mo
Today · 4.125%
HK$118,284
baseline
▲ 0.50% · 4.625%
HK$124,519
+HK$6,235/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$236,568/mo (50% DSR)
Upfront cash ≈ HK$24.00M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,049
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$124,814
−HK$3,826/mo
Today · 4.125%
HK$128,640
baseline
▲ 0.50% · 4.625%
HK$136,467
+HK$7,827/mo
Deposit HK$17.70M · loan HK$26.54M · min. income ≈ HK$257,280/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,666
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$138,277
−HK$3,664/mo
Today · 4.125%
HK$141,941
baseline
▲ 0.50% · 4.625%
HK$149,423
+HK$7,482/mo
Deposit HK$17.70M · loan HK$26.54M · min. income ≈ HK$283,882/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,224
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$145,616
−HK$4,464/mo
Today · 4.125%
HK$150,080
baseline
▲ 0.50% · 4.625%
HK$159,212
+HK$9,132/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$300,160/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,110
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$161,323
−HK$4,275/mo
Today · 4.125%
HK$165,598
baseline
▲ 0.50% · 4.625%
HK$174,327
+HK$8,729/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$331,196/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,573
−HK$11,386/mo
▼ 0.25% · 3.875%
HK$187,221
−HK$5,738/mo
Today · 4.125%
HK$192,959
baseline
▲ 0.50% · 4.625%
HK$204,701
+HK$11,742/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$385,918/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,998
−HK$10,914/mo
▼ 0.25% · 3.875%
HK$207,416
−HK$5,496/mo
Today · 4.125%
HK$212,912
baseline
▲ 0.50% · 4.625%
HK$224,135
+HK$11,223/mo
Deposit HK$4.42M · loan HK$39.81M · min. income ≈ HK$425,824/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,880,116 · Scale 2, in force from 26 Feb 2026)