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$102,220
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,400
−HK$3,230/mo
Today · 4.125%
HK$108,630
baseline
▲ 0.50% · 4.625%
HK$115,240
+HK$6,610/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$217,260/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,719
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,769
−HK$3,094/mo
Today · 4.125%
HK$119,863
baseline
▲ 0.50% · 4.625%
HK$126,181
+HK$6,318/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$239,726/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,664
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$126,480
−HK$3,876/mo
Today · 4.125%
HK$130,356
baseline
▲ 0.50% · 4.625%
HK$138,288
+HK$7,932/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$260,712/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,463
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$140,123
−HK$3,713/mo
Today · 4.125%
HK$143,836
baseline
▲ 0.50% · 4.625%
HK$151,417
+HK$7,581/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$287,672/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,108
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$147,560
−HK$4,523/mo
Today · 4.125%
HK$152,083
baseline
▲ 0.50% · 4.625%
HK$161,336
+HK$9,253/mo
Deposit HK$13.45M · loan HK$31.38M · min. income ≈ HK$304,166/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,207
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$163,477
−HK$4,331/mo
Today · 4.125%
HK$167,808
baseline
▲ 0.50% · 4.625%
HK$176,654
+HK$8,846/mo
Deposit HK$13.45M · loan HK$31.38M · min. income ≈ HK$335,616/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,997
−HK$11,538/mo
▼ 0.25% · 3.875%
HK$189,720
−HK$5,815/mo
Today · 4.125%
HK$195,535
baseline
▲ 0.50% · 4.625%
HK$207,433
+HK$11,898/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$391,070/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,694
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$210,184
−HK$5,569/mo
Today · 4.125%
HK$215,753
baseline
▲ 0.50% · 4.625%
HK$227,126
+HK$11,373/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$431,506/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,208 · Scale 2, in force from 26 Feb 2026)