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$102,250
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,430
−HK$3,232/mo
Today · 4.125%
HK$108,662
baseline
▲ 0.50% · 4.625%
HK$115,273
+HK$6,611/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$217,324/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,752
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,802
−HK$3,095/mo
Today · 4.125%
HK$119,897
baseline
▲ 0.50% · 4.625%
HK$126,217
+HK$6,320/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$239,794/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,700
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,516
−HK$3,878/mo
Today · 4.125%
HK$130,394
baseline
▲ 0.50% · 4.625%
HK$138,328
+HK$7,934/mo
Deposit HK$17.94M · loan HK$26.90M · min. income ≈ HK$260,788/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,502
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,163
−HK$3,714/mo
Today · 4.125%
HK$143,877
baseline
▲ 0.50% · 4.625%
HK$151,461
+HK$7,584/mo
Deposit HK$17.94M · loan HK$26.90M · min. income ≈ HK$287,754/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,150
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$147,602
−HK$4,524/mo
Today · 4.125%
HK$152,126
baseline
▲ 0.50% · 4.625%
HK$161,383
+HK$9,257/mo
Deposit HK$13.45M · loan HK$31.39M · min. income ≈ HK$304,252/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,252
−HK$8,604/mo
▼ 0.25% · 3.875%
HK$163,523
−HK$4,333/mo
Today · 4.125%
HK$167,856
baseline
▲ 0.50% · 4.625%
HK$176,704
+HK$8,848/mo
Deposit HK$13.45M · loan HK$31.39M · min. income ≈ HK$335,712/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,049
−HK$11,542/mo
▼ 0.25% · 3.875%
HK$189,774
−HK$5,817/mo
Today · 4.125%
HK$195,591
baseline
▲ 0.50% · 4.625%
HK$207,492
+HK$11,901/mo
Deposit HK$4.48M · loan HK$40.36M · min. income ≈ HK$391,182/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,753
−HK$11,062/mo
▼ 0.25% · 3.875%
HK$210,244
−HK$5,571/mo
Today · 4.125%
HK$215,815
baseline
▲ 0.50% · 4.625%
HK$227,191
+HK$11,376/mo
Deposit HK$4.48M · loan HK$40.36M · min. income ≈ HK$431,630/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,756 · Scale 2, in force from 26 Feb 2026)