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$102,071
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,246
−HK$3,226/mo
Today · 4.125%
HK$108,472
baseline
▲ 0.50% · 4.625%
HK$115,072
+HK$6,600/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,944/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,553
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,599
−HK$3,089/mo
Today · 4.125%
HK$119,688
baseline
▲ 0.50% · 4.625%
HK$125,997
+HK$6,309/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,376/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,486
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,296
−HK$3,871/mo
Today · 4.125%
HK$130,167
baseline
▲ 0.50% · 4.625%
HK$138,087
+HK$7,920/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$260,334/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,264
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,919
−HK$3,707/mo
Today · 4.125%
HK$143,626
baseline
▲ 0.50% · 4.625%
HK$151,197
+HK$7,571/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$287,252/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,900
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$147,345
−HK$4,516/mo
Today · 4.125%
HK$151,861
baseline
▲ 0.50% · 4.625%
HK$161,101
+HK$9,240/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,722/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,975
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$163,238
−HK$4,326/mo
Today · 4.125%
HK$167,564
baseline
▲ 0.50% · 4.625%
HK$176,396
+HK$8,832/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,128/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,729
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$189,444
−HK$5,806/mo
Today · 4.125%
HK$195,250
baseline
▲ 0.50% · 4.625%
HK$207,130
+HK$11,880/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$390,500/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,396
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$209,878
−HK$5,561/mo
Today · 4.125%
HK$215,439
baseline
▲ 0.50% · 4.625%
HK$226,795
+HK$11,356/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$430,878/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,433 · Scale 2, in force from 26 Feb 2026)