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$101,785
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,951
−HK$3,217/mo
Today · 4.125%
HK$108,168
baseline
▲ 0.50% · 4.625%
HK$114,749
+HK$6,581/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,336/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,235
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,271
−HK$3,081/mo
Today · 4.125%
HK$119,352
baseline
▲ 0.50% · 4.625%
HK$125,644
+HK$6,292/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,704/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,142
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$125,941
−HK$3,860/mo
Today · 4.125%
HK$129,801
baseline
▲ 0.50% · 4.625%
HK$137,699
+HK$7,898/mo
Deposit HK$17.85M · loan HK$26.78M · min. income ≈ HK$259,602/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,882
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$139,526
−HK$3,697/mo
Today · 4.125%
HK$143,223
baseline
▲ 0.50% · 4.625%
HK$150,772
+HK$7,549/mo
Deposit HK$17.85M · loan HK$26.78M · min. income ≈ HK$286,446/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,499
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,931
−HK$4,504/mo
Today · 4.125%
HK$151,435
baseline
▲ 0.50% · 4.625%
HK$160,649
+HK$9,214/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$302,870/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,528
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$162,780
−HK$4,313/mo
Today · 4.125%
HK$167,093
baseline
▲ 0.50% · 4.625%
HK$175,901
+HK$8,808/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$334,186/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,213
−HK$11,489/mo
▼ 0.25% · 3.875%
HK$188,912
−HK$5,790/mo
Today · 4.125%
HK$194,702
baseline
▲ 0.50% · 4.625%
HK$206,549
+HK$11,847/mo
Deposit HK$4.46M · loan HK$40.17M · min. income ≈ HK$389,404/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,822
−HK$11,012/mo
▼ 0.25% · 3.875%
HK$209,289
−HK$5,545/mo
Today · 4.125%
HK$214,834
baseline
▲ 0.50% · 4.625%
HK$226,158
+HK$11,324/mo
Deposit HK$4.46M · loan HK$40.17M · min. income ≈ HK$429,668/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,092 · Scale 2, in force from 26 Feb 2026)