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$101,641
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,803
−HK$3,212/mo
Today · 4.125%
HK$108,015
baseline
▲ 0.50% · 4.625%
HK$114,588
+HK$6,573/mo
Deposit HK$22.29M · loan HK$22.29M · min. income ≈ HK$216,030/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,075
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,108
−HK$3,076/mo
Today · 4.125%
HK$119,184
baseline
▲ 0.50% · 4.625%
HK$125,467
+HK$6,283/mo
Deposit HK$22.29M · loan HK$22.29M · min. income ≈ HK$238,368/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,970
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,764
−HK$3,854/mo
Today · 4.125%
HK$129,618
baseline
▲ 0.50% · 4.625%
HK$137,505
+HK$7,887/mo
Deposit HK$17.83M · loan HK$26.74M · min. income ≈ HK$259,236/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,690
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,329
−HK$3,692/mo
Today · 4.125%
HK$143,021
baseline
▲ 0.50% · 4.625%
HK$150,560
+HK$7,539/mo
Deposit HK$17.83M · loan HK$26.74M · min. income ≈ HK$286,042/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,298
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,724
−HK$4,497/mo
Today · 4.125%
HK$151,221
baseline
▲ 0.50% · 4.625%
HK$160,423
+HK$9,202/mo
Deposit HK$13.37M · loan HK$31.20M · min. income ≈ HK$302,442/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,305
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$162,551
−HK$4,307/mo
Today · 4.125%
HK$166,858
baseline
▲ 0.50% · 4.625%
HK$175,653
+HK$8,795/mo
Deposit HK$13.37M · loan HK$31.20M · min. income ≈ HK$333,716/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,955
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$188,646
−HK$5,782/mo
Today · 4.125%
HK$194,428
baseline
▲ 0.50% · 4.625%
HK$206,258
+HK$11,830/mo
Deposit HK$4.46M · loan HK$40.12M · min. income ≈ HK$388,856/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,535
−HK$10,997/mo
▼ 0.25% · 3.875%
HK$208,994
−HK$5,538/mo
Today · 4.125%
HK$214,532
baseline
▲ 0.50% · 4.625%
HK$225,840
+HK$11,308/mo
Deposit HK$4.46M · loan HK$40.12M · min. income ≈ HK$429,064/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,894,420 · Scale 2, in force from 26 Feb 2026)