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$101,894
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,064
−HK$3,220/mo
Today · 4.125%
HK$108,284
baseline
▲ 0.50% · 4.625%
HK$114,873
+HK$6,589/mo
Deposit HK$22.34M · loan HK$22.34M · min. income ≈ HK$216,568/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,356
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,397
−HK$3,084/mo
Today · 4.125%
HK$119,481
baseline
▲ 0.50% · 4.625%
HK$125,779
+HK$6,298/mo
Deposit HK$22.34M · loan HK$22.34M · min. income ≈ HK$238,962/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,273
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,077
−HK$3,864/mo
Today · 4.125%
HK$129,941
baseline
▲ 0.50% · 4.625%
HK$137,847
+HK$7,906/mo
Deposit HK$17.87M · loan HK$26.81M · min. income ≈ HK$259,882/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,028
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,676
−HK$3,701/mo
Today · 4.125%
HK$143,377
baseline
▲ 0.50% · 4.625%
HK$150,934
+HK$7,557/mo
Deposit HK$17.87M · loan HK$26.81M · min. income ≈ HK$286,754/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,652
−HK$8,946/mo
▼ 0.25% · 3.875%
HK$147,089
−HK$4,509/mo
Today · 4.125%
HK$151,598
baseline
▲ 0.50% · 4.625%
HK$160,822
+HK$9,224/mo
Deposit HK$13.41M · loan HK$31.28M · min. income ≈ HK$303,196/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,699
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$162,955
−HK$4,318/mo
Today · 4.125%
HK$167,273
baseline
▲ 0.50% · 4.625%
HK$176,090
+HK$8,817/mo
Deposit HK$13.41M · loan HK$31.28M · min. income ≈ HK$334,546/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,410
−HK$11,501/mo
▼ 0.25% · 3.875%
HK$189,115
−HK$5,796/mo
Today · 4.125%
HK$194,911
baseline
▲ 0.50% · 4.625%
HK$206,771
+HK$11,860/mo
Deposit HK$4.47M · loan HK$40.22M · min. income ≈ HK$389,822/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,041
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$209,514
−HK$5,551/mo
Today · 4.125%
HK$215,065
baseline
▲ 0.50% · 4.625%
HK$226,402
+HK$11,337/mo
Deposit HK$4.47M · loan HK$40.22M · min. income ≈ HK$430,130/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,132 · Scale 2, in force from 26 Feb 2026)