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$102,034
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,208
−HK$3,225/mo
Today · 4.125%
HK$108,433
baseline
▲ 0.50% · 4.625%
HK$115,031
+HK$6,598/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$216,866/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,512
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,556
−HK$3,089/mo
Today · 4.125%
HK$119,645
baseline
▲ 0.50% · 4.625%
HK$125,951
+HK$6,306/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$239,290/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,441
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,250
−HK$3,869/mo
Today · 4.125%
HK$130,119
baseline
▲ 0.50% · 4.625%
HK$138,037
+HK$7,918/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,238/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,214
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,868
−HK$3,706/mo
Today · 4.125%
HK$143,574
baseline
▲ 0.50% · 4.625%
HK$151,142
+HK$7,568/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,148/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,848
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,291
−HK$4,515/mo
Today · 4.125%
HK$151,806
baseline
▲ 0.50% · 4.625%
HK$161,043
+HK$9,237/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$303,612/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,917
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,179
−HK$4,324/mo
Today · 4.125%
HK$167,503
baseline
▲ 0.50% · 4.625%
HK$176,332
+HK$8,829/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$335,006/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,662
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$189,375
−HK$5,804/mo
Today · 4.125%
HK$195,179
baseline
▲ 0.50% · 4.625%
HK$207,055
+HK$11,876/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$390,358/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,322
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$209,802
−HK$5,559/mo
Today · 4.125%
HK$215,361
baseline
▲ 0.50% · 4.625%
HK$226,713
+HK$11,352/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$430,722/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,741 · Scale 2, in force from 26 Feb 2026)