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$101,736
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,901
−HK$3,215/mo
Today · 4.125%
HK$108,116
baseline
▲ 0.50% · 4.625%
HK$114,695
+HK$6,579/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$216,232/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,181
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,216
−HK$3,080/mo
Today · 4.125%
HK$119,296
baseline
▲ 0.50% · 4.625%
HK$125,584
+HK$6,288/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$238,592/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,084
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,881
−HK$3,858/mo
Today · 4.125%
HK$129,739
baseline
▲ 0.50% · 4.625%
HK$137,634
+HK$7,895/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$259,478/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,817
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,459
−HK$3,696/mo
Today · 4.125%
HK$143,155
baseline
▲ 0.50% · 4.625%
HK$150,701
+HK$7,546/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$286,310/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,431
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$146,861
−HK$4,502/mo
Today · 4.125%
HK$151,363
baseline
▲ 0.50% · 4.625%
HK$160,573
+HK$9,210/mo
Deposit HK$13.38M · loan HK$31.23M · min. income ≈ HK$302,726/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,453
−HK$8,561/mo
▼ 0.25% · 3.875%
HK$162,703
−HK$4,311/mo
Today · 4.125%
HK$167,014
baseline
▲ 0.50% · 4.625%
HK$175,817
+HK$8,803/mo
Deposit HK$13.38M · loan HK$31.23M · min. income ≈ HK$334,028/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,126
−HK$11,483/mo
▼ 0.25% · 3.875%
HK$188,822
−HK$5,787/mo
Today · 4.125%
HK$194,609
baseline
▲ 0.50% · 4.625%
HK$206,451
+HK$11,842/mo
Deposit HK$4.46M · loan HK$40.15M · min. income ≈ HK$389,218/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,725
−HK$11,007/mo
▼ 0.25% · 3.875%
HK$209,189
−HK$5,543/mo
Today · 4.125%
HK$214,732
baseline
▲ 0.50% · 4.625%
HK$226,051
+HK$11,319/mo
Deposit HK$4.46M · loan HK$40.15M · min. income ≈ HK$429,464/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,190 · Scale 2, in force from 26 Feb 2026)