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$101,969
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,141
−HK$3,223/mo
Today · 4.125%
HK$108,364
baseline
▲ 0.50% · 4.625%
HK$114,957
+HK$6,593/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$216,728/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,440
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,482
−HK$3,086/mo
Today · 4.125%
HK$119,568
baseline
▲ 0.50% · 4.625%
HK$125,871
+HK$6,303/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$239,136/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,363
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,169
−HK$3,867/mo
Today · 4.125%
HK$130,036
baseline
▲ 0.50% · 4.625%
HK$137,949
+HK$7,913/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$260,072/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,128
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,778
−HK$3,704/mo
Today · 4.125%
HK$143,482
baseline
▲ 0.50% · 4.625%
HK$151,045
+HK$7,563/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$286,964/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,757
−HK$8,952/mo
▼ 0.25% · 3.875%
HK$147,197
−HK$4,512/mo
Today · 4.125%
HK$151,709
baseline
▲ 0.50% · 4.625%
HK$160,940
+HK$9,231/mo
Deposit HK$13.42M · loan HK$31.30M · min. income ≈ HK$303,418/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,816
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$163,075
−HK$4,321/mo
Today · 4.125%
HK$167,396
baseline
▲ 0.50% · 4.625%
HK$176,220
+HK$8,824/mo
Deposit HK$13.42M · loan HK$31.30M · min. income ≈ HK$334,792/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,544
−HK$11,510/mo
▼ 0.25% · 3.875%
HK$189,254
−HK$5,800/mo
Today · 4.125%
HK$195,054
baseline
▲ 0.50% · 4.625%
HK$206,923
+HK$11,869/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$390,108/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,191
−HK$11,032/mo
▼ 0.25% · 3.875%
HK$209,668
−HK$5,555/mo
Today · 4.125%
HK$215,223
baseline
▲ 0.50% · 4.625%
HK$226,568
+HK$11,345/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$430,446/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,528 · Scale 2, in force from 26 Feb 2026)