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$102,130
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,307
−HK$3,227/mo
Today · 4.125%
HK$108,534
baseline
▲ 0.50% · 4.625%
HK$115,138
+HK$6,604/mo
Deposit HK$22.39M · loan HK$22.39M · min. income ≈ HK$217,068/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,618
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,666
−HK$3,091/mo
Today · 4.125%
HK$119,757
baseline
▲ 0.50% · 4.625%
HK$126,069
+HK$6,312/mo
Deposit HK$22.39M · loan HK$22.39M · min. income ≈ HK$239,514/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,556
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,368
−HK$3,873/mo
Today · 4.125%
HK$130,241
baseline
▲ 0.50% · 4.625%
HK$138,166
+HK$7,925/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$260,482/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,342
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$139,999
−HK$3,709/mo
Today · 4.125%
HK$143,708
baseline
▲ 0.50% · 4.625%
HK$151,283
+HK$7,575/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$287,416/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,982
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$147,429
−HK$4,519/mo
Today · 4.125%
HK$151,948
baseline
▲ 0.50% · 4.625%
HK$161,194
+HK$9,246/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$303,896/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,066
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,332
−HK$4,328/mo
Today · 4.125%
HK$167,660
baseline
▲ 0.50% · 4.625%
HK$176,497
+HK$8,837/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$335,320/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,834
−HK$11,528/mo
▼ 0.25% · 3.875%
HK$189,552
−HK$5,810/mo
Today · 4.125%
HK$195,362
baseline
▲ 0.50% · 4.625%
HK$207,249
+HK$11,887/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$390,724/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,513
−HK$11,049/mo
▼ 0.25% · 3.875%
HK$209,998
−HK$5,564/mo
Today · 4.125%
HK$215,562
baseline
▲ 0.50% · 4.625%
HK$226,925
+HK$11,363/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$431,124/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,521 · Scale 2, in force from 26 Feb 2026)