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$102,404
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,589
−HK$3,236/mo
Today · 4.125%
HK$108,825
baseline
▲ 0.50% · 4.625%
HK$115,447
+HK$6,622/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$217,650/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,923
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,979
−HK$3,099/mo
Today · 4.125%
HK$120,078
baseline
▲ 0.50% · 4.625%
HK$126,408
+HK$6,330/mo
Deposit HK$22.45M · loan HK$22.45M · min. income ≈ HK$240,156/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,885
−HK$7,705/mo
▼ 0.25% · 3.875%
HK$126,707
−HK$3,883/mo
Today · 4.125%
HK$130,590
baseline
▲ 0.50% · 4.625%
HK$138,537
+HK$7,947/mo
Deposit HK$17.96M · loan HK$26.95M · min. income ≈ HK$261,180/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,708
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$140,374
−HK$3,720/mo
Today · 4.125%
HK$144,094
baseline
▲ 0.50% · 4.625%
HK$151,689
+HK$7,595/mo
Deposit HK$17.96M · loan HK$26.95M · min. income ≈ HK$288,188/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,365
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$147,825
−HK$4,531/mo
Today · 4.125%
HK$152,356
baseline
▲ 0.50% · 4.625%
HK$161,626
+HK$9,270/mo
Deposit HK$13.47M · loan HK$31.44M · min. income ≈ HK$304,712/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,492
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$163,770
−HK$4,339/mo
Today · 4.125%
HK$168,109
baseline
▲ 0.50% · 4.625%
HK$176,971
+HK$8,862/mo
Deposit HK$13.47M · loan HK$31.44M · min. income ≈ HK$336,218/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,327
−HK$11,559/mo
▼ 0.25% · 3.875%
HK$190,060
−HK$5,826/mo
Today · 4.125%
HK$195,886
baseline
▲ 0.50% · 4.625%
HK$207,805
+HK$11,919/mo
Deposit HK$4.49M · loan HK$40.42M · min. income ≈ HK$391,772/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,062
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$210,561
−HK$5,580/mo
Today · 4.125%
HK$216,141
baseline
▲ 0.50% · 4.625%
HK$227,534
+HK$11,393/mo
Deposit HK$4.49M · loan HK$40.42M · min. income ≈ HK$432,282/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,908,628 · Scale 2, in force from 26 Feb 2026)