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$102,881
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,081
−HK$3,252/mo
Today · 4.125%
HK$109,333
baseline
▲ 0.50% · 4.625%
HK$115,985
+HK$6,652/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$218,666/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,454
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,524
−HK$3,114/mo
Today · 4.125%
HK$120,638
baseline
▲ 0.50% · 4.625%
HK$126,997
+HK$6,359/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$241,276/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,457
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,298
−HK$3,901/mo
Today · 4.125%
HK$131,199
baseline
▲ 0.50% · 4.625%
HK$139,182
+HK$7,983/mo
Deposit HK$18.05M · loan HK$27.07M · min. income ≈ HK$262,398/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,345
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,029
−HK$3,736/mo
Today · 4.125%
HK$144,765
baseline
▲ 0.50% · 4.625%
HK$152,396
+HK$7,631/mo
Deposit HK$18.05M · loan HK$27.07M · min. income ≈ HK$289,530/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,034
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$148,514
−HK$4,552/mo
Today · 4.125%
HK$153,066
baseline
▲ 0.50% · 4.625%
HK$162,379
+HK$9,313/mo
Deposit HK$13.54M · loan HK$31.58M · min. income ≈ HK$306,132/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,236
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$164,533
−HK$4,360/mo
Today · 4.125%
HK$168,893
baseline
▲ 0.50% · 4.625%
HK$177,796
+HK$8,903/mo
Deposit HK$13.54M · loan HK$31.58M · min. income ≈ HK$337,786/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,186
−HK$11,613/mo
▼ 0.25% · 3.875%
HK$190,946
−HK$5,853/mo
Today · 4.125%
HK$196,799
baseline
▲ 0.50% · 4.625%
HK$208,774
+HK$11,975/mo
Deposit HK$4.51M · loan HK$40.61M · min. income ≈ HK$393,598/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,018
−HK$11,130/mo
▼ 0.25% · 3.875%
HK$211,543
−HK$5,605/mo
Today · 4.125%
HK$217,148
baseline
▲ 0.50% · 4.625%
HK$228,594
+HK$11,446/mo
Deposit HK$4.51M · loan HK$40.61M · min. income ≈ HK$434,296/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,525 · Scale 2, in force from 26 Feb 2026)