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$102,037
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,211
−HK$3,224/mo
Today · 4.125%
HK$108,435
baseline
▲ 0.50% · 4.625%
HK$115,033
+HK$6,598/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$216,870/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,515
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,559
−HK$3,089/mo
Today · 4.125%
HK$119,648
baseline
▲ 0.50% · 4.625%
HK$125,954
+HK$6,306/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$239,296/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,444
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,253
−HK$3,869/mo
Today · 4.125%
HK$130,122
baseline
▲ 0.50% · 4.625%
HK$138,040
+HK$7,918/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,244/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,218
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,871
−HK$3,706/mo
Today · 4.125%
HK$143,577
baseline
▲ 0.50% · 4.625%
HK$151,145
+HK$7,568/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,154/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,851
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,295
−HK$4,514/mo
Today · 4.125%
HK$151,809
baseline
▲ 0.50% · 4.625%
HK$161,047
+HK$9,238/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$303,618/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,921
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,183
−HK$4,324/mo
Today · 4.125%
HK$167,507
baseline
▲ 0.50% · 4.625%
HK$176,336
+HK$8,829/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$335,014/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,666
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$189,379
−HK$5,804/mo
Today · 4.125%
HK$195,183
baseline
▲ 0.50% · 4.625%
HK$207,060
+HK$11,877/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$390,366/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,327
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$209,807
−HK$5,559/mo
Today · 4.125%
HK$215,366
baseline
▲ 0.50% · 4.625%
HK$226,718
+HK$11,352/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$430,732/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,786 · Scale 2, in force from 26 Feb 2026)