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$101,812
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,979
−HK$3,218/mo
Today · 4.125%
HK$108,197
baseline
▲ 0.50% · 4.625%
HK$114,780
+HK$6,583/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,394/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,303
−HK$3,081/mo
Today · 4.125%
HK$119,384
baseline
▲ 0.50% · 4.625%
HK$125,677
+HK$6,293/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,768/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,174
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,975
−HK$3,861/mo
Today · 4.125%
HK$129,836
baseline
▲ 0.50% · 4.625%
HK$137,736
+HK$7,900/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,672/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,918
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,563
−HK$3,698/mo
Today · 4.125%
HK$143,261
baseline
▲ 0.50% · 4.625%
HK$150,813
+HK$7,552/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,522/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,537
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$146,971
−HK$4,504/mo
Today · 4.125%
HK$151,475
baseline
▲ 0.50% · 4.625%
HK$160,692
+HK$9,217/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$302,950/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,571
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$162,824
−HK$4,314/mo
Today · 4.125%
HK$167,138
baseline
▲ 0.50% · 4.625%
HK$175,948
+HK$8,810/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$334,276/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,262
−HK$11,492/mo
▼ 0.25% · 3.875%
HK$188,962
−HK$5,792/mo
Today · 4.125%
HK$194,754
baseline
▲ 0.50% · 4.625%
HK$206,604
+HK$11,850/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$389,508/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,877
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,345
−HK$5,547/mo
Today · 4.125%
HK$214,892
baseline
▲ 0.50% · 4.625%
HK$226,219
+HK$11,327/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$429,784/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,599 · Scale 2, in force from 26 Feb 2026)