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$102,541
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,730
−HK$3,241/mo
Today · 4.125%
HK$108,971
baseline
▲ 0.50% · 4.625%
HK$115,602
+HK$6,631/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$217,942/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,075
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,135
−HK$3,104/mo
Today · 4.125%
HK$120,239
baseline
▲ 0.50% · 4.625%
HK$126,577
+HK$6,338/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$240,478/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,049
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,876
−HK$3,889/mo
Today · 4.125%
HK$130,765
baseline
▲ 0.50% · 4.625%
HK$138,722
+HK$7,957/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$261,530/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,891
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,562
−HK$3,724/mo
Today · 4.125%
HK$144,286
baseline
▲ 0.50% · 4.625%
HK$151,892
+HK$7,606/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$288,572/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,557
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$148,022
−HK$4,537/mo
Today · 4.125%
HK$152,559
baseline
▲ 0.50% · 4.625%
HK$161,842
+HK$9,283/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$305,118/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,706
−HK$8,628/mo
▼ 0.25% · 3.875%
HK$163,989
−HK$4,345/mo
Today · 4.125%
HK$168,334
baseline
▲ 0.50% · 4.625%
HK$177,207
+HK$8,873/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$336,668/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,573
−HK$11,575/mo
▼ 0.25% · 3.875%
HK$190,315
−HK$5,833/mo
Today · 4.125%
HK$196,148
baseline
▲ 0.50% · 4.625%
HK$208,083
+HK$11,935/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$392,296/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,336
−HK$11,094/mo
▼ 0.25% · 3.875%
HK$210,843
−HK$5,587/mo
Today · 4.125%
HK$216,430
baseline
▲ 0.50% · 4.625%
HK$227,838
+HK$11,408/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$432,860/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,180 · Scale 2, in force from 26 Feb 2026)