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$103,055
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,260
−HK$3,257/mo
Today · 4.125%
HK$109,517
baseline
▲ 0.50% · 4.625%
HK$116,181
+HK$6,664/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,034/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,647
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,722
−HK$3,119/mo
Today · 4.125%
HK$120,841
baseline
▲ 0.50% · 4.625%
HK$127,211
+HK$6,370/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,682/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,666
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,512
−HK$3,909/mo
Today · 4.125%
HK$131,421
baseline
▲ 0.50% · 4.625%
HK$139,417
+HK$7,996/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$262,842/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,577
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,267
−HK$3,743/mo
Today · 4.125%
HK$145,010
baseline
▲ 0.50% · 4.625%
HK$152,653
+HK$7,643/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$290,020/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,277
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$148,765
−HK$4,559/mo
Today · 4.125%
HK$153,324
baseline
▲ 0.50% · 4.625%
HK$162,654
+HK$9,330/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$306,648/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,506
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$164,811
−HK$4,367/mo
Today · 4.125%
HK$169,178
baseline
▲ 0.50% · 4.625%
HK$178,096
+HK$8,918/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$338,356/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,499
−HK$11,632/mo
▼ 0.25% · 3.875%
HK$191,269
−HK$5,862/mo
Today · 4.125%
HK$197,131
baseline
▲ 0.50% · 4.625%
HK$209,126
+HK$11,995/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$394,262/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,365
−HK$11,150/mo
▼ 0.25% · 3.875%
HK$211,900
−HK$5,615/mo
Today · 4.125%
HK$217,515
baseline
▲ 0.50% · 4.625%
HK$228,980
+HK$11,465/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$435,030/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,762 · Scale 2, in force from 26 Feb 2026)