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$102,785
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,982
−HK$3,249/mo
Today · 4.125%
HK$109,231
baseline
▲ 0.50% · 4.625%
HK$115,877
+HK$6,646/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,462/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,347
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,414
−HK$3,111/mo
Today · 4.125%
HK$120,525
baseline
▲ 0.50% · 4.625%
HK$126,878
+HK$6,353/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,050/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,342
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,179
−HK$3,898/mo
Today · 4.125%
HK$131,077
baseline
▲ 0.50% · 4.625%
HK$139,052
+HK$7,975/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$262,154/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,217
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,897
−HK$3,733/mo
Today · 4.125%
HK$144,630
baseline
▲ 0.50% · 4.625%
HK$152,254
+HK$7,624/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$289,260/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,899
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,375
−HK$4,548/mo
Today · 4.125%
HK$152,923
baseline
▲ 0.50% · 4.625%
HK$162,228
+HK$9,305/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,846/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,086
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$164,380
−HK$4,355/mo
Today · 4.125%
HK$168,735
baseline
▲ 0.50% · 4.625%
HK$177,630
+HK$8,895/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,470/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,013
−HK$11,602/mo
▼ 0.25% · 3.875%
HK$190,768
−HK$5,847/mo
Today · 4.125%
HK$196,615
baseline
▲ 0.50% · 4.625%
HK$208,579
+HK$11,964/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,230/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,825
−HK$11,120/mo
▼ 0.25% · 3.875%
HK$211,345
−HK$5,600/mo
Today · 4.125%
HK$216,945
baseline
▲ 0.50% · 4.625%
HK$228,381
+HK$11,436/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,890/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,736 · Scale 2, in force from 26 Feb 2026)