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$102,082
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,257
−HK$3,226/mo
Today · 4.125%
HK$108,483
baseline
▲ 0.50% · 4.625%
HK$115,084
+HK$6,601/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,966/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,565
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,090/mo
Today · 4.125%
HK$119,701
baseline
▲ 0.50% · 4.625%
HK$126,010
+HK$6,309/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,402/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,498
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,309
−HK$3,871/mo
Today · 4.125%
HK$130,180
baseline
▲ 0.50% · 4.625%
HK$138,101
+HK$7,921/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$260,360/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,278
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$139,933
−HK$3,708/mo
Today · 4.125%
HK$143,641
baseline
▲ 0.50% · 4.625%
HK$151,212
+HK$7,571/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$287,282/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,915
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$147,360
−HK$4,516/mo
Today · 4.125%
HK$151,876
baseline
▲ 0.50% · 4.625%
HK$161,118
+HK$9,242/mo
Deposit HK$13.43M · loan HK$31.34M · min. income ≈ HK$303,752/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,991
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$163,255
−HK$4,326/mo
Today · 4.125%
HK$167,581
baseline
▲ 0.50% · 4.625%
HK$176,414
+HK$8,833/mo
Deposit HK$13.43M · loan HK$31.34M · min. income ≈ HK$335,162/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,747
−HK$11,523/mo
▼ 0.25% · 3.875%
HK$189,463
−HK$5,807/mo
Today · 4.125%
HK$195,270
baseline
▲ 0.50% · 4.625%
HK$207,151
+HK$11,881/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$390,540/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,417
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$209,899
−HK$5,562/mo
Today · 4.125%
HK$215,461
baseline
▲ 0.50% · 4.625%
HK$226,818
+HK$11,357/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$430,922/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,627 · Scale 2, in force from 26 Feb 2026)