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$101,572
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,731
−HK$3,210/mo
Today · 4.125%
HK$107,941
baseline
▲ 0.50% · 4.625%
HK$114,509
+HK$6,568/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$215,882/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,997
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,028
−HK$3,074/mo
Today · 4.125%
HK$119,102
baseline
▲ 0.50% · 4.625%
HK$125,380
+HK$6,278/mo
Deposit HK$22.27M · loan HK$22.27M · min. income ≈ HK$238,204/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,886
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,677
−HK$3,852/mo
Today · 4.125%
HK$129,529
baseline
▲ 0.50% · 4.625%
HK$137,411
+HK$7,882/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$259,058/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,597
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,234
−HK$3,689/mo
Today · 4.125%
HK$142,923
baseline
▲ 0.50% · 4.625%
HK$150,456
+HK$7,533/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$285,846/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,200
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$146,623
−HK$4,494/mo
Today · 4.125%
HK$151,117
baseline
▲ 0.50% · 4.625%
HK$160,313
+HK$9,196/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$302,234/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,196
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$162,439
−HK$4,304/mo
Today · 4.125%
HK$166,743
baseline
▲ 0.50% · 4.625%
HK$175,532
+HK$8,789/mo
Deposit HK$13.36M · loan HK$31.18M · min. income ≈ HK$333,486/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,829
−HK$11,465/mo
▼ 0.25% · 3.875%
HK$188,516
−HK$5,778/mo
Today · 4.125%
HK$194,294
baseline
▲ 0.50% · 4.625%
HK$206,116
+HK$11,822/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$388,588/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,395
−HK$10,989/mo
▼ 0.25% · 3.875%
HK$208,850
−HK$5,534/mo
Today · 4.125%
HK$214,384
baseline
▲ 0.50% · 4.625%
HK$225,685
+HK$11,301/mo
Deposit HK$4.45M · loan HK$40.09M · min. income ≈ HK$428,768/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,118 · Scale 2, in force from 26 Feb 2026)