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$102,521
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$3,240/mo
Today · 4.125%
HK$108,950
baseline
▲ 0.50% · 4.625%
HK$115,579
+HK$6,629/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$217,900/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,054
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,112
−HK$3,104/mo
Today · 4.125%
HK$120,216
baseline
▲ 0.50% · 4.625%
HK$126,552
+HK$6,336/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$240,432/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,025
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,852
−HK$3,888/mo
Today · 4.125%
HK$130,740
baseline
▲ 0.50% · 4.625%
HK$138,695
+HK$7,955/mo
Deposit HK$17.98M · loan HK$26.98M · min. income ≈ HK$261,480/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,864
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,535
−HK$3,724/mo
Today · 4.125%
HK$144,259
baseline
▲ 0.50% · 4.625%
HK$151,863
+HK$7,604/mo
Deposit HK$17.98M · loan HK$26.98M · min. income ≈ HK$288,518/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,529
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$147,994
−HK$4,536/mo
Today · 4.125%
HK$152,530
baseline
▲ 0.50% · 4.625%
HK$161,811
+HK$9,281/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$305,060/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,675
−HK$8,627/mo
▼ 0.25% · 3.875%
HK$163,957
−HK$4,345/mo
Today · 4.125%
HK$168,302
baseline
▲ 0.50% · 4.625%
HK$177,173
+HK$8,871/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$336,604/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,538
−HK$11,572/mo
▼ 0.25% · 3.875%
HK$190,278
−HK$5,832/mo
Today · 4.125%
HK$196,110
baseline
▲ 0.50% · 4.625%
HK$208,043
+HK$11,933/mo
Deposit HK$4.50M · loan HK$40.46M · min. income ≈ HK$392,220/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,296
−HK$11,092/mo
▼ 0.25% · 3.875%
HK$210,802
−HK$5,586/mo
Today · 4.125%
HK$216,388
baseline
▲ 0.50% · 4.625%
HK$227,794
+HK$11,406/mo
Deposit HK$4.50M · loan HK$40.46M · min. income ≈ HK$432,776/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,813 · Scale 2, in force from 26 Feb 2026)