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$102,548
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,738
−HK$3,241/mo
Today · 4.125%
HK$108,979
baseline
▲ 0.50% · 4.625%
HK$115,610
+HK$6,631/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$217,958/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,084
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,143
−HK$3,104/mo
Today · 4.125%
HK$120,247
baseline
▲ 0.50% · 4.625%
HK$126,585
+HK$6,338/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$240,494/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,057
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,885
−HK$3,889/mo
Today · 4.125%
HK$130,774
baseline
▲ 0.50% · 4.625%
HK$138,732
+HK$7,958/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$261,548/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,900
−HK$7,397/mo
▼ 0.25% · 3.875%
HK$140,572
−HK$3,725/mo
Today · 4.125%
HK$144,297
baseline
▲ 0.50% · 4.625%
HK$151,903
+HK$7,606/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$288,594/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,567
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$148,033
−HK$4,537/mo
Today · 4.125%
HK$152,570
baseline
▲ 0.50% · 4.625%
HK$161,854
+HK$9,284/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$305,140/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,717
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$164,000
−HK$4,346/mo
Today · 4.125%
HK$168,346
baseline
▲ 0.50% · 4.625%
HK$177,220
+HK$8,874/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$336,692/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,586
−HK$11,575/mo
▼ 0.25% · 3.875%
HK$190,328
−HK$5,833/mo
Today · 4.125%
HK$196,161
baseline
▲ 0.50% · 4.625%
HK$208,097
+HK$11,936/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$392,322/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,350
−HK$11,095/mo
▼ 0.25% · 3.875%
HK$210,858
−HK$5,587/mo
Today · 4.125%
HK$216,445
baseline
▲ 0.50% · 4.625%
HK$227,854
+HK$11,409/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$432,890/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,314 · Scale 2, in force from 26 Feb 2026)