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$102,529
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,718
−HK$3,240/mo
Today · 4.125%
HK$108,958
baseline
▲ 0.50% · 4.625%
HK$115,588
+HK$6,630/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$217,916/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,062
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,122
−HK$3,103/mo
Today · 4.125%
HK$120,225
baseline
▲ 0.50% · 4.625%
HK$126,562
+HK$6,337/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$240,450/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,035
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,862
−HK$3,888/mo
Today · 4.125%
HK$130,750
baseline
▲ 0.50% · 4.625%
HK$138,706
+HK$7,956/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$261,500/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,875
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,546
−HK$3,724/mo
Today · 4.125%
HK$144,270
baseline
▲ 0.50% · 4.625%
HK$151,874
+HK$7,604/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$288,540/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,541
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$148,005
−HK$4,537/mo
Today · 4.125%
HK$152,542
baseline
▲ 0.50% · 4.625%
HK$161,824
+HK$9,282/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$305,084/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,687
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$163,970
−HK$4,345/mo
Today · 4.125%
HK$168,315
baseline
▲ 0.50% · 4.625%
HK$177,187
+HK$8,872/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$336,630/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,552
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$190,293
−HK$5,832/mo
Today · 4.125%
HK$196,125
baseline
▲ 0.50% · 4.625%
HK$208,059
+HK$11,934/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$392,250/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,312
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$210,819
−HK$5,586/mo
Today · 4.125%
HK$216,405
baseline
▲ 0.50% · 4.625%
HK$227,812
+HK$11,407/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$432,810/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,961 · Scale 2, in force from 26 Feb 2026)