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$102,496
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,685
−HK$3,239/mo
Today · 4.125%
HK$108,924
baseline
▲ 0.50% · 4.625%
HK$115,552
+HK$6,628/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$217,848/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,026
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,084
−HK$3,103/mo
Today · 4.125%
HK$120,187
baseline
▲ 0.50% · 4.625%
HK$126,522
+HK$6,335/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$240,374/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,996
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,822
−HK$3,887/mo
Today · 4.125%
HK$130,709
baseline
▲ 0.50% · 4.625%
HK$138,662
+HK$7,953/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$261,418/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,832
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$140,501
−HK$3,723/mo
Today · 4.125%
HK$144,224
baseline
▲ 0.50% · 4.625%
HK$151,826
+HK$7,602/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$288,448/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,495
−HK$8,998/mo
▼ 0.25% · 3.875%
HK$147,959
−HK$4,534/mo
Today · 4.125%
HK$152,493
baseline
▲ 0.50% · 4.625%
HK$161,772
+HK$9,279/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$304,986/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,637
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$163,918
−HK$4,343/mo
Today · 4.125%
HK$168,261
baseline
▲ 0.50% · 4.625%
HK$177,131
+HK$8,870/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$336,522/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,494
−HK$11,569/mo
▼ 0.25% · 3.875%
HK$190,232
−HK$5,831/mo
Today · 4.125%
HK$196,063
baseline
▲ 0.50% · 4.625%
HK$207,993
+HK$11,930/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$392,126/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,247
−HK$11,089/mo
▼ 0.25% · 3.875%
HK$210,752
−HK$5,584/mo
Today · 4.125%
HK$216,336
baseline
▲ 0.50% · 4.625%
HK$227,740
+HK$11,404/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$432,672/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,355 · Scale 2, in force from 26 Feb 2026)