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$102,040
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,214
−HK$3,225/mo
Today · 4.125%
HK$108,439
baseline
▲ 0.50% · 4.625%
HK$115,037
+HK$6,598/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$216,878/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,518
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,563
−HK$3,088/mo
Today · 4.125%
HK$119,651
baseline
▲ 0.50% · 4.625%
HK$125,958
+HK$6,307/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$239,302/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,448
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,257
−HK$3,869/mo
Today · 4.125%
HK$130,126
baseline
▲ 0.50% · 4.625%
HK$138,044
+HK$7,918/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,252/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,222
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,875
−HK$3,707/mo
Today · 4.125%
HK$143,582
baseline
▲ 0.50% · 4.625%
HK$151,150
+HK$7,568/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,164/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,856
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$147,299
−HK$4,515/mo
Today · 4.125%
HK$151,814
baseline
▲ 0.50% · 4.625%
HK$161,052
+HK$9,238/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$303,628/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,926
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,188
−HK$4,324/mo
Today · 4.125%
HK$167,512
baseline
▲ 0.50% · 4.625%
HK$176,342
+HK$8,830/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$335,024/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,672
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$189,385
−HK$5,804/mo
Today · 4.125%
HK$195,189
baseline
▲ 0.50% · 4.625%
HK$207,066
+HK$11,877/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$390,378/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,333
−HK$11,039/mo
▼ 0.25% · 3.875%
HK$209,813
−HK$5,559/mo
Today · 4.125%
HK$215,372
baseline
▲ 0.50% · 4.625%
HK$226,725
+HK$11,353/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$430,744/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,844 · Scale 2, in force from 26 Feb 2026)