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$102,862
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,062
−HK$3,251/mo
Today · 4.125%
HK$109,313
baseline
▲ 0.50% · 4.625%
HK$115,964
+HK$6,651/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,626/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,433
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,502
−HK$3,114/mo
Today · 4.125%
HK$120,616
baseline
▲ 0.50% · 4.625%
HK$126,973
+HK$6,357/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,232/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,435
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,274
−HK$3,901/mo
Today · 4.125%
HK$131,175
baseline
▲ 0.50% · 4.625%
HK$139,157
+HK$7,982/mo
Deposit HK$18.04M · loan HK$27.07M · min. income ≈ HK$262,350/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,320
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,003
−HK$3,736/mo
Today · 4.125%
HK$144,739
baseline
▲ 0.50% · 4.625%
HK$152,368
+HK$7,629/mo
Deposit HK$18.04M · loan HK$27.07M · min. income ≈ HK$289,478/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,007
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$148,487
−HK$4,551/mo
Today · 4.125%
HK$153,038
baseline
▲ 0.50% · 4.625%
HK$162,350
+HK$9,312/mo
Deposit HK$13.53M · loan HK$31.58M · min. income ≈ HK$306,076/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,206
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$164,503
−HK$4,359/mo
Today · 4.125%
HK$168,862
baseline
▲ 0.50% · 4.625%
HK$177,763
+HK$8,901/mo
Deposit HK$13.53M · loan HK$31.58M · min. income ≈ HK$337,724/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,152
−HK$11,611/mo
▼ 0.25% · 3.875%
HK$190,911
−HK$5,852/mo
Today · 4.125%
HK$196,763
baseline
▲ 0.50% · 4.625%
HK$208,735
+HK$11,972/mo
Deposit HK$4.51M · loan HK$40.60M · min. income ≈ HK$393,526/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,980
−HK$11,128/mo
▼ 0.25% · 3.875%
HK$211,504
−HK$5,604/mo
Today · 4.125%
HK$217,108
baseline
▲ 0.50% · 4.625%
HK$228,552
+HK$11,444/mo
Deposit HK$4.51M · loan HK$40.60M · min. income ≈ HK$434,216/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,173 · Scale 2, in force from 26 Feb 2026)