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$102,480
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,668
−HK$3,239/mo
Today · 4.125%
HK$108,907
baseline
▲ 0.50% · 4.625%
HK$115,533
+HK$6,626/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$217,814/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,008
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,066
−HK$3,102/mo
Today · 4.125%
HK$120,168
baseline
▲ 0.50% · 4.625%
HK$126,502
+HK$6,334/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$240,336/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,976
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,801
−HK$3,887/mo
Today · 4.125%
HK$130,688
baseline
▲ 0.50% · 4.625%
HK$138,640
+HK$7,952/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$261,376/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,810
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,479
−HK$3,722/mo
Today · 4.125%
HK$144,201
baseline
▲ 0.50% · 4.625%
HK$151,802
+HK$7,601/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$288,402/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,472
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$147,935
−HK$4,534/mo
Today · 4.125%
HK$152,469
baseline
▲ 0.50% · 4.625%
HK$161,747
+HK$9,278/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$304,938/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,611
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$163,892
−HK$4,343/mo
Today · 4.125%
HK$168,235
baseline
▲ 0.50% · 4.625%
HK$177,103
+HK$8,868/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$336,470/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,464
−HK$11,568/mo
▼ 0.25% · 3.875%
HK$190,202
−HK$5,830/mo
Today · 4.125%
HK$196,032
baseline
▲ 0.50% · 4.625%
HK$207,960
+HK$11,928/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$392,064/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,215
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$210,718
−HK$5,584/mo
Today · 4.125%
HK$216,302
baseline
▲ 0.50% · 4.625%
HK$227,703
+HK$11,401/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$432,604/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,910,052 · Scale 2, in force from 26 Feb 2026)