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$101,795
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,962
−HK$3,217/mo
Today · 4.125%
HK$108,179
baseline
▲ 0.50% · 4.625%
HK$114,761
+HK$6,582/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,358/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,246
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,284
−HK$3,081/mo
Today · 4.125%
HK$119,365
baseline
▲ 0.50% · 4.625%
HK$125,657
+HK$6,292/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,730/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,154
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,954
−HK$3,861/mo
Today · 4.125%
HK$129,815
baseline
▲ 0.50% · 4.625%
HK$137,713
+HK$7,898/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,630/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,896
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,540
−HK$3,698/mo
Today · 4.125%
HK$143,238
baseline
▲ 0.50% · 4.625%
HK$150,788
+HK$7,550/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,476/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,513
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$146,946
−HK$4,504/mo
Today · 4.125%
HK$151,450
baseline
▲ 0.50% · 4.625%
HK$160,666
+HK$9,216/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$302,900/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,545
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,797
−HK$4,314/mo
Today · 4.125%
HK$167,111
baseline
▲ 0.50% · 4.625%
HK$175,919
+HK$8,808/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$334,222/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,232
−HK$11,490/mo
▼ 0.25% · 3.875%
HK$188,931
−HK$5,791/mo
Today · 4.125%
HK$194,722
baseline
▲ 0.50% · 4.625%
HK$206,570
+HK$11,848/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$389,444/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,843
−HK$11,013/mo
▼ 0.25% · 3.875%
HK$209,310
−HK$5,546/mo
Today · 4.125%
HK$214,856
baseline
▲ 0.50% · 4.625%
HK$226,182
+HK$11,326/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$429,712/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,288 · Scale 2, in force from 26 Feb 2026)