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$100,847
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$103,984
−HK$3,187/mo
Today · 4.125%
HK$107,171
baseline
▲ 0.50% · 4.625%
HK$113,692
+HK$6,521/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,342/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,191
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$115,200
−HK$3,052/mo
Today · 4.125%
HK$118,252
baseline
▲ 0.50% · 4.625%
HK$124,486
+HK$6,234/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,504/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,016
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,780
−HK$3,825/mo
Today · 4.125%
HK$128,605
baseline
▲ 0.50% · 4.625%
HK$136,430
+HK$7,825/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$257,210/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,629
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,240
−HK$3,663/mo
Today · 4.125%
HK$141,903
baseline
▲ 0.50% · 4.625%
HK$149,383
+HK$7,480/mo
Deposit HK$17.69M · loan HK$26.54M · min. income ≈ HK$283,806/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,185
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$145,577
−HK$4,462/mo
Today · 4.125%
HK$150,039
baseline
▲ 0.50% · 4.625%
HK$159,169
+HK$9,130/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$300,078/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,067
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$161,280
−HK$4,273/mo
Today · 4.125%
HK$165,553
baseline
▲ 0.50% · 4.625%
HK$174,280
+HK$8,727/mo
Deposit HK$13.27M · loan HK$30.96M · min. income ≈ HK$331,106/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,524
−HK$11,383/mo
▼ 0.25% · 3.875%
HK$187,171
−HK$5,736/mo
Today · 4.125%
HK$192,907
baseline
▲ 0.50% · 4.625%
HK$204,645
+HK$11,738/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$385,814/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,944
−HK$10,910/mo
▼ 0.25% · 3.875%
HK$207,360
−HK$5,494/mo
Today · 4.125%
HK$212,854
baseline
▲ 0.50% · 4.625%
HK$224,074
+HK$11,220/mo
Deposit HK$4.42M · loan HK$39.80M · min. income ≈ HK$425,708/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,879,608 · Scale 2, in force from 26 Feb 2026)