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$102,151
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,329
−HK$3,228/mo
Today · 4.125%
HK$108,557
baseline
▲ 0.50% · 4.625%
HK$115,162
+HK$6,605/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,114/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,642
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,690
−HK$3,092/mo
Today · 4.125%
HK$119,782
baseline
▲ 0.50% · 4.625%
HK$126,096
+HK$6,314/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,564/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,581
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$126,394
−HK$3,874/mo
Today · 4.125%
HK$130,268
baseline
▲ 0.50% · 4.625%
HK$138,195
+HK$7,927/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$260,536/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,371
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,028
−HK$3,710/mo
Today · 4.125%
HK$143,738
baseline
▲ 0.50% · 4.625%
HK$151,315
+HK$7,577/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$287,476/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,012
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,460
−HK$4,520/mo
Today · 4.125%
HK$151,980
baseline
▲ 0.50% · 4.625%
HK$161,227
+HK$9,247/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$303,960/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,099
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$163,366
−HK$4,329/mo
Today · 4.125%
HK$167,695
baseline
▲ 0.50% · 4.625%
HK$176,534
+HK$8,839/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$335,390/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,872
−HK$11,530/mo
▼ 0.25% · 3.875%
HK$189,591
−HK$5,811/mo
Today · 4.125%
HK$195,402
baseline
▲ 0.50% · 4.625%
HK$207,292
+HK$11,890/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$390,804/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,556
−HK$11,051/mo
▼ 0.25% · 3.875%
HK$210,042
−HK$5,565/mo
Today · 4.125%
HK$215,607
baseline
▲ 0.50% · 4.625%
HK$226,972
+HK$11,365/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$431,214/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,919 · Scale 2, in force from 26 Feb 2026)