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$102,074
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,249
−HK$3,226/mo
Today · 4.125%
HK$108,475
baseline
▲ 0.50% · 4.625%
HK$115,075
+HK$6,600/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,950/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,556
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,602
−HK$3,089/mo
Today · 4.125%
HK$119,691
baseline
▲ 0.50% · 4.625%
HK$126,001
+HK$6,310/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,382/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,489
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,299
−HK$3,871/mo
Today · 4.125%
HK$130,170
baseline
▲ 0.50% · 4.625%
HK$138,091
+HK$7,921/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$260,340/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,268
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,922
−HK$3,708/mo
Today · 4.125%
HK$143,630
baseline
▲ 0.50% · 4.625%
HK$151,201
+HK$7,571/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$287,260/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,904
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$147,349
−HK$4,516/mo
Today · 4.125%
HK$151,865
baseline
▲ 0.50% · 4.625%
HK$161,106
+HK$9,241/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,730/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,979
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$163,243
−HK$4,325/mo
Today · 4.125%
HK$167,568
baseline
▲ 0.50% · 4.625%
HK$176,401
+HK$8,833/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,136/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,733
−HK$11,522/mo
▼ 0.25% · 3.875%
HK$189,448
−HK$5,807/mo
Today · 4.125%
HK$195,255
baseline
▲ 0.50% · 4.625%
HK$207,136
+HK$11,881/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$390,510/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,401
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$209,883
−HK$5,562/mo
Today · 4.125%
HK$215,445
baseline
▲ 0.50% · 4.625%
HK$226,801
+HK$11,356/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$430,890/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,483 · Scale 2, in force from 26 Feb 2026)