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$102,408
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,594
−HK$3,236/mo
Today · 4.125%
HK$108,830
baseline
▲ 0.50% · 4.625%
HK$115,452
+HK$6,622/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$217,660/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,928
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,984
−HK$3,099/mo
Today · 4.125%
HK$120,083
baseline
▲ 0.50% · 4.625%
HK$126,413
+HK$6,330/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$240,166/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,890
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$126,713
−HK$3,883/mo
Today · 4.125%
HK$130,596
baseline
▲ 0.50% · 4.625%
HK$138,543
+HK$7,947/mo
Deposit HK$17.96M · loan HK$26.95M · min. income ≈ HK$261,192/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,714
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,381
−HK$3,719/mo
Today · 4.125%
HK$144,100
baseline
▲ 0.50% · 4.625%
HK$151,696
+HK$7,596/mo
Deposit HK$17.96M · loan HK$26.95M · min. income ≈ HK$288,200/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,372
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$147,831
−HK$4,531/mo
Today · 4.125%
HK$152,362
baseline
▲ 0.50% · 4.625%
HK$161,633
+HK$9,271/mo
Deposit HK$13.47M · loan HK$31.44M · min. income ≈ HK$304,724/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,500
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$163,777
−HK$4,340/mo
Today · 4.125%
HK$168,117
baseline
▲ 0.50% · 4.625%
HK$176,979
+HK$8,862/mo
Deposit HK$13.47M · loan HK$31.44M · min. income ≈ HK$336,234/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,335
−HK$11,559/mo
▼ 0.25% · 3.875%
HK$190,069
−HK$5,825/mo
Today · 4.125%
HK$195,894
baseline
▲ 0.50% · 4.625%
HK$207,814
+HK$11,920/mo
Deposit HK$4.49M · loan HK$40.42M · min. income ≈ HK$391,788/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,071
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$210,571
−HK$5,579/mo
Today · 4.125%
HK$216,150
baseline
▲ 0.50% · 4.625%
HK$227,544
+HK$11,394/mo
Deposit HK$4.49M · loan HK$40.42M · min. income ≈ HK$432,300/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,714 · Scale 2, in force from 26 Feb 2026)