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$101,983
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,155
−HK$3,223/mo
Today · 4.125%
HK$108,378
baseline
▲ 0.50% · 4.625%
HK$114,973
+HK$6,595/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$216,756/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,455
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,498
−HK$3,087/mo
Today · 4.125%
HK$119,585
baseline
▲ 0.50% · 4.625%
HK$125,888
+HK$6,303/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$239,170/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,380
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$126,186
−HK$3,868/mo
Today · 4.125%
HK$130,054
baseline
▲ 0.50% · 4.625%
HK$137,967
+HK$7,913/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$260,108/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,146
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$139,798
−HK$3,704/mo
Today · 4.125%
HK$143,502
baseline
▲ 0.50% · 4.625%
HK$151,066
+HK$7,564/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$287,004/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,776
−HK$8,954/mo
▼ 0.25% · 3.875%
HK$147,217
−HK$4,513/mo
Today · 4.125%
HK$151,730
baseline
▲ 0.50% · 4.625%
HK$160,962
+HK$9,232/mo
Deposit HK$13.42M · loan HK$31.31M · min. income ≈ HK$303,460/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,837
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$163,097
−HK$4,322/mo
Today · 4.125%
HK$167,419
baseline
▲ 0.50% · 4.625%
HK$176,244
+HK$8,825/mo
Deposit HK$13.42M · loan HK$31.31M · min. income ≈ HK$334,838/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,570
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$189,280
−HK$5,801/mo
Today · 4.125%
HK$195,081
baseline
▲ 0.50% · 4.625%
HK$206,951
+HK$11,870/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$390,162/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,219
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$209,696
−HK$5,557/mo
Today · 4.125%
HK$215,253
baseline
▲ 0.50% · 4.625%
HK$226,599
+HK$11,346/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$430,506/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,787 · Scale 2, in force from 26 Feb 2026)