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$101,340
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,492
−HK$3,203/mo
Today · 4.125%
HK$107,695
baseline
▲ 0.50% · 4.625%
HK$114,248
+HK$6,553/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$215,390/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,740
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,763
−HK$3,068/mo
Today · 4.125%
HK$118,831
baseline
▲ 0.50% · 4.625%
HK$125,094
+HK$6,263/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$237,662/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,608
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,391
−HK$3,843/mo
Today · 4.125%
HK$129,234
baseline
▲ 0.50% · 4.625%
HK$137,097
+HK$7,863/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$258,468/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,288
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,916
−HK$3,681/mo
Today · 4.125%
HK$142,597
baseline
▲ 0.50% · 4.625%
HK$150,113
+HK$7,516/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$285,194/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,876
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,289
−HK$4,484/mo
Today · 4.125%
HK$150,773
baseline
▲ 0.50% · 4.625%
HK$159,947
+HK$9,174/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$301,546/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,836
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,069
−HK$4,294/mo
Today · 4.125%
HK$166,363
baseline
▲ 0.50% · 4.625%
HK$175,132
+HK$8,769/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$332,726/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,412
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$188,086
−HK$5,765/mo
Today · 4.125%
HK$193,851
baseline
▲ 0.50% · 4.625%
HK$205,646
+HK$11,795/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$387,702/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,931
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$208,374
−HK$5,521/mo
Today · 4.125%
HK$213,895
baseline
▲ 0.50% · 4.625%
HK$225,170
+HK$11,275/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$427,790/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,801 · Scale 2, in force from 26 Feb 2026)