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$102,395
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,580
−HK$3,236/mo
Today · 4.125%
HK$108,816
baseline
▲ 0.50% · 4.625%
HK$115,437
+HK$6,621/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$217,632/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,913
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,968
−HK$3,100/mo
Today · 4.125%
HK$120,068
baseline
▲ 0.50% · 4.625%
HK$126,397
+HK$6,329/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$240,136/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,874
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,696
−HK$3,883/mo
Today · 4.125%
HK$130,579
baseline
▲ 0.50% · 4.625%
HK$138,525
+HK$7,946/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$261,158/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,696
−HK$7,385/mo
▼ 0.25% · 3.875%
HK$140,362
−HK$3,719/mo
Today · 4.125%
HK$144,081
baseline
▲ 0.50% · 4.625%
HK$151,676
+HK$7,595/mo
Deposit HK$17.96M · loan HK$26.94M · min. income ≈ HK$288,162/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,353
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$147,812
−HK$4,530/mo
Today · 4.125%
HK$152,342
baseline
▲ 0.50% · 4.625%
HK$161,612
+HK$9,270/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$304,684/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,479
−HK$8,616/mo
▼ 0.25% · 3.875%
HK$163,756
−HK$4,339/mo
Today · 4.125%
HK$168,095
baseline
▲ 0.50% · 4.625%
HK$176,955
+HK$8,860/mo
Deposit HK$13.47M · loan HK$31.43M · min. income ≈ HK$336,190/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,311
−HK$11,558/mo
▼ 0.25% · 3.875%
HK$190,044
−HK$5,825/mo
Today · 4.125%
HK$195,869
baseline
▲ 0.50% · 4.625%
HK$207,787
+HK$11,918/mo
Deposit HK$4.49M · loan HK$40.41M · min. income ≈ HK$391,738/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,044
−HK$11,078/mo
▼ 0.25% · 3.875%
HK$210,543
−HK$5,579/mo
Today · 4.125%
HK$216,122
baseline
▲ 0.50% · 4.625%
HK$227,514
+HK$11,392/mo
Deposit HK$4.49M · loan HK$40.41M · min. income ≈ HK$432,244/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,462 · Scale 2, in force from 26 Feb 2026)