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$102,183
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,362
−HK$3,229/mo
Today · 4.125%
HK$108,591
baseline
▲ 0.50% · 4.625%
HK$115,198
+HK$6,607/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$217,182/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,678
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,727
−HK$3,092/mo
Today · 4.125%
HK$119,819
baseline
▲ 0.50% · 4.625%
HK$126,135
+HK$6,316/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$239,638/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,620
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$126,434
−HK$3,875/mo
Today · 4.125%
HK$130,309
baseline
▲ 0.50% · 4.625%
HK$138,238
+HK$7,929/mo
Deposit HK$17.92M · loan HK$26.89M · min. income ≈ HK$260,618/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,413
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,072
−HK$3,711/mo
Today · 4.125%
HK$143,783
baseline
▲ 0.50% · 4.625%
HK$151,362
+HK$7,579/mo
Deposit HK$17.92M · loan HK$26.89M · min. income ≈ HK$287,566/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,056
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$147,506
−HK$4,521/mo
Today · 4.125%
HK$152,027
baseline
▲ 0.50% · 4.625%
HK$161,278
+HK$9,251/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$304,054/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,149
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$163,417
−HK$4,330/mo
Today · 4.125%
HK$167,747
baseline
▲ 0.50% · 4.625%
HK$176,589
+HK$8,842/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$335,494/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,930
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$189,651
−HK$5,813/mo
Today · 4.125%
HK$195,464
baseline
▲ 0.50% · 4.625%
HK$207,357
+HK$11,893/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$390,928/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,620
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$210,108
−HK$5,567/mo
Today · 4.125%
HK$215,675
baseline
▲ 0.50% · 4.625%
HK$227,043
+HK$11,368/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$431,350/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,517 · Scale 2, in force from 26 Feb 2026)