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$102,582
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$105,773
−HK$3,242/mo
Today · 4.125%
HK$109,015
baseline
▲ 0.50% · 4.625%
HK$115,649
+HK$6,634/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$218,030/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,122
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$117,183
−HK$3,105/mo
Today · 4.125%
HK$120,288
baseline
▲ 0.50% · 4.625%
HK$126,628
+HK$6,340/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$240,576/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,099
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$126,928
−HK$3,890/mo
Today · 4.125%
HK$130,818
baseline
▲ 0.50% · 4.625%
HK$138,778
+HK$7,960/mo
Deposit HK$17.99M · loan HK$26.99M · min. income ≈ HK$261,636/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,946
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,619
−HK$3,726/mo
Today · 4.125%
HK$144,345
baseline
▲ 0.50% · 4.625%
HK$151,954
+HK$7,609/mo
Deposit HK$17.99M · loan HK$26.99M · min. income ≈ HK$288,690/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,615
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$148,083
−HK$4,538/mo
Today · 4.125%
HK$152,621
baseline
▲ 0.50% · 4.625%
HK$161,908
+HK$9,287/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$305,242/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,771
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$164,056
−HK$4,347/mo
Today · 4.125%
HK$168,403
baseline
▲ 0.50% · 4.625%
HK$177,279
+HK$8,876/mo
Deposit HK$13.50M · loan HK$31.49M · min. income ≈ HK$336,806/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,648
−HK$11,579/mo
▼ 0.25% · 3.875%
HK$190,392
−HK$5,835/mo
Today · 4.125%
HK$196,227
baseline
▲ 0.50% · 4.625%
HK$208,167
+HK$11,940/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$392,454/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,419
−HK$11,099/mo
▼ 0.25% · 3.875%
HK$210,929
−HK$5,589/mo
Today · 4.125%
HK$216,518
baseline
▲ 0.50% · 4.625%
HK$227,931
+HK$11,413/mo
Deposit HK$4.50M · loan HK$40.49M · min. income ≈ HK$433,036/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,958 · Scale 2, in force from 26 Feb 2026)