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$102,328
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,511
−HK$3,234/mo
Today · 4.125%
HK$108,745
baseline
▲ 0.50% · 4.625%
HK$115,362
+HK$6,617/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,490/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,839
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,892
−HK$3,097/mo
Today · 4.125%
HK$119,989
baseline
▲ 0.50% · 4.625%
HK$126,314
+HK$6,325/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$239,978/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,793
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,613
−HK$3,881/mo
Today · 4.125%
HK$130,494
baseline
▲ 0.50% · 4.625%
HK$138,434
+HK$7,940/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$260,988/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,606
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,270
−HK$3,717/mo
Today · 4.125%
HK$143,987
baseline
▲ 0.50% · 4.625%
HK$151,577
+HK$7,590/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$287,974/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,259
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,715
−HK$4,528/mo
Today · 4.125%
HK$152,243
baseline
▲ 0.50% · 4.625%
HK$161,506
+HK$9,263/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$304,486/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,374
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,649
−HK$4,336/mo
Today · 4.125%
HK$167,985
baseline
▲ 0.50% · 4.625%
HK$176,839
+HK$8,854/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$335,970/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,190
−HK$11,551/mo
▼ 0.25% · 3.875%
HK$189,920
−HK$5,821/mo
Today · 4.125%
HK$195,741
baseline
▲ 0.50% · 4.625%
HK$207,651
+HK$11,910/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$391,482/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,910
−HK$11,070/mo
▼ 0.25% · 3.875%
HK$210,405
−HK$5,575/mo
Today · 4.125%
HK$215,980
baseline
▲ 0.50% · 4.625%
HK$227,365
+HK$11,385/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$431,960/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,214 · Scale 2, in force from 26 Feb 2026)