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$101,638
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$104,799
−HK$3,212/mo
Today · 4.125%
HK$108,011
baseline
▲ 0.50% · 4.625%
HK$114,584
+HK$6,573/mo
Deposit HK$22.29M · loan HK$22.29M · min. income ≈ HK$216,022/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,071
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,104
−HK$3,076/mo
Today · 4.125%
HK$119,180
baseline
▲ 0.50% · 4.625%
HK$125,462
+HK$6,282/mo
Deposit HK$22.29M · loan HK$22.29M · min. income ≈ HK$238,360/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,965
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,759
−HK$3,855/mo
Today · 4.125%
HK$129,614
baseline
▲ 0.50% · 4.625%
HK$137,500
+HK$7,886/mo
Deposit HK$17.83M · loan HK$26.74M · min. income ≈ HK$259,228/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,685
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,324
−HK$3,692/mo
Today · 4.125%
HK$143,016
baseline
▲ 0.50% · 4.625%
HK$150,554
+HK$7,538/mo
Deposit HK$17.83M · loan HK$26.74M · min. income ≈ HK$286,032/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,293
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,719
−HK$4,497/mo
Today · 4.125%
HK$151,216
baseline
▲ 0.50% · 4.625%
HK$160,417
+HK$9,201/mo
Deposit HK$13.37M · loan HK$31.20M · min. income ≈ HK$302,432/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,299
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$162,545
−HK$4,307/mo
Today · 4.125%
HK$166,852
baseline
▲ 0.50% · 4.625%
HK$175,647
+HK$8,795/mo
Deposit HK$13.37M · loan HK$31.20M · min. income ≈ HK$333,704/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,948
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$188,639
−HK$5,782/mo
Today · 4.125%
HK$194,421
baseline
▲ 0.50% · 4.625%
HK$206,251
+HK$11,830/mo
Deposit HK$4.46M · loan HK$40.12M · min. income ≈ HK$388,842/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,528
−HK$10,996/mo
▼ 0.25% · 3.875%
HK$208,986
−HK$5,538/mo
Today · 4.125%
HK$214,524
baseline
▲ 0.50% · 4.625%
HK$225,832
+HK$11,308/mo
Deposit HK$4.46M · loan HK$40.12M · min. income ≈ HK$429,048/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,894,352 · Scale 2, in force from 26 Feb 2026)