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$101,914
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,084
−HK$3,221/mo
Today · 4.125%
HK$108,305
baseline
▲ 0.50% · 4.625%
HK$114,895
+HK$6,590/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$216,610/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,378
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,419
−HK$3,085/mo
Today · 4.125%
HK$119,504
baseline
▲ 0.50% · 4.625%
HK$125,803
+HK$6,299/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$239,008/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,297
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,101
−HK$3,865/mo
Today · 4.125%
HK$129,966
baseline
▲ 0.50% · 4.625%
HK$137,874
+HK$7,908/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$259,932/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,054
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$139,703
−HK$3,701/mo
Today · 4.125%
HK$143,404
baseline
▲ 0.50% · 4.625%
HK$150,964
+HK$7,560/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$286,808/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,680
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$147,118
−HK$4,509/mo
Today · 4.125%
HK$151,627
baseline
▲ 0.50% · 4.625%
HK$160,853
+HK$9,226/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$303,254/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,730
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$162,987
−HK$4,318/mo
Today · 4.125%
HK$167,305
baseline
▲ 0.50% · 4.625%
HK$176,124
+HK$8,819/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$334,610/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,445
−HK$11,504/mo
▼ 0.25% · 3.875%
HK$189,151
−HK$5,798/mo
Today · 4.125%
HK$194,949
baseline
▲ 0.50% · 4.625%
HK$206,811
+HK$11,862/mo
Deposit HK$4.47M · loan HK$40.22M · min. income ≈ HK$389,898/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,081
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$209,554
−HK$5,553/mo
Today · 4.125%
HK$215,107
baseline
▲ 0.50% · 4.625%
HK$226,445
+HK$11,338/mo
Deposit HK$4.47M · loan HK$40.22M · min. income ≈ HK$430,214/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,499 · Scale 2, in force from 26 Feb 2026)