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$102,323
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,506
−HK$3,233/mo
Today · 4.125%
HK$108,739
baseline
▲ 0.50% · 4.625%
HK$115,356
+HK$6,617/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,478/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,833
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,886
−HK$3,097/mo
Today · 4.125%
HK$119,983
baseline
▲ 0.50% · 4.625%
HK$126,308
+HK$6,325/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$239,966/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,787
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,607
−HK$3,880/mo
Today · 4.125%
HK$130,487
baseline
▲ 0.50% · 4.625%
HK$138,427
+HK$7,940/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$260,974/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,600
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,263
−HK$3,717/mo
Today · 4.125%
HK$143,980
baseline
▲ 0.50% · 4.625%
HK$151,569
+HK$7,589/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$287,960/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,252
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$147,708
−HK$4,527/mo
Today · 4.125%
HK$152,235
baseline
▲ 0.50% · 4.625%
HK$161,498
+HK$9,263/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$304,470/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,366
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,641
−HK$4,336/mo
Today · 4.125%
HK$167,977
baseline
▲ 0.50% · 4.625%
HK$176,831
+HK$8,854/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$335,954/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,181
−HK$11,550/mo
▼ 0.25% · 3.875%
HK$189,910
−HK$5,821/mo
Today · 4.125%
HK$195,731
baseline
▲ 0.50% · 4.625%
HK$207,641
+HK$11,910/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$391,462/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,900
−HK$11,070/mo
▼ 0.25% · 3.875%
HK$210,395
−HK$5,575/mo
Today · 4.125%
HK$215,970
baseline
▲ 0.50% · 4.625%
HK$227,354
+HK$11,384/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$431,940/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,121 · Scale 2, in force from 26 Feb 2026)