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$102,319
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$3,234/mo
Today · 4.125%
HK$108,736
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$6,616/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,472/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,829
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,882
−HK$3,097/mo
Today · 4.125%
HK$119,979
baseline
▲ 0.50% · 4.625%
HK$126,303
+HK$6,324/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$239,958/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,783
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,603
−HK$3,880/mo
Today · 4.125%
HK$130,483
baseline
▲ 0.50% · 4.625%
HK$138,423
+HK$7,940/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$260,966/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,595
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,259
−HK$3,716/mo
Today · 4.125%
HK$143,975
baseline
▲ 0.50% · 4.625%
HK$151,564
+HK$7,589/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$287,950/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,247
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$147,703
−HK$4,527/mo
Today · 4.125%
HK$152,230
baseline
▲ 0.50% · 4.625%
HK$161,493
+HK$9,263/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$304,460/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,361
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$163,635
−HK$4,336/mo
Today · 4.125%
HK$167,971
baseline
▲ 0.50% · 4.625%
HK$176,825
+HK$8,854/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$335,942/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,175
−HK$11,549/mo
▼ 0.25% · 3.875%
HK$189,904
−HK$5,820/mo
Today · 4.125%
HK$195,724
baseline
▲ 0.50% · 4.625%
HK$207,634
+HK$11,910/mo
Deposit HK$4.49M · loan HK$40.38M · min. income ≈ HK$391,448/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,893
−HK$11,070/mo
▼ 0.25% · 3.875%
HK$210,388
−HK$5,575/mo
Today · 4.125%
HK$215,963
baseline
▲ 0.50% · 4.625%
HK$227,346
+HK$11,383/mo
Deposit HK$4.49M · loan HK$40.38M · min. income ≈ HK$431,926/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,057 · Scale 2, in force from 26 Feb 2026)