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$102,066
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,241
−HK$3,226/mo
Today · 4.125%
HK$108,467
baseline
▲ 0.50% · 4.625%
HK$115,067
+HK$6,600/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,934/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,548
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,593
−HK$3,089/mo
Today · 4.125%
HK$119,682
baseline
▲ 0.50% · 4.625%
HK$125,991
+HK$6,309/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,364/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,479
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,289
−HK$3,871/mo
Today · 4.125%
HK$130,160
baseline
▲ 0.50% · 4.625%
HK$138,080
+HK$7,920/mo
Deposit HK$17.90M · loan HK$26.86M · min. income ≈ HK$260,320/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,257
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,912
−HK$3,707/mo
Today · 4.125%
HK$143,619
baseline
▲ 0.50% · 4.625%
HK$151,189
+HK$7,570/mo
Deposit HK$17.90M · loan HK$26.86M · min. income ≈ HK$287,238/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,893
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,338
−HK$4,515/mo
Today · 4.125%
HK$151,853
baseline
▲ 0.50% · 4.625%
HK$161,093
+HK$9,240/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,706/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,967
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$163,230
−HK$4,325/mo
Today · 4.125%
HK$167,555
baseline
▲ 0.50% · 4.625%
HK$176,387
+HK$8,832/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,110/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,719
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$189,434
−HK$5,806/mo
Today · 4.125%
HK$195,240
baseline
▲ 0.50% · 4.625%
HK$207,120
+HK$11,880/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,480/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,386
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$209,867
−HK$5,561/mo
Today · 4.125%
HK$215,428
baseline
▲ 0.50% · 4.625%
HK$226,784
+HK$11,356/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,856/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,337 · Scale 2, in force from 26 Feb 2026)