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$101,818
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,985
−HK$3,218/mo
Today · 4.125%
HK$108,203
baseline
▲ 0.50% · 4.625%
HK$114,787
+HK$6,584/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$216,406/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,272
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,309
−HK$3,082/mo
Today · 4.125%
HK$119,391
baseline
▲ 0.50% · 4.625%
HK$125,685
+HK$6,294/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$238,782/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,182
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,982
−HK$3,861/mo
Today · 4.125%
HK$129,843
baseline
▲ 0.50% · 4.625%
HK$137,744
+HK$7,901/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,686/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,926
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,571
−HK$3,698/mo
Today · 4.125%
HK$143,269
baseline
▲ 0.50% · 4.625%
HK$150,821
+HK$7,552/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,538/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,545
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,979
−HK$4,505/mo
Today · 4.125%
HK$151,484
baseline
▲ 0.50% · 4.625%
HK$160,702
+HK$9,218/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$302,968/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,580
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$162,833
−HK$4,315/mo
Today · 4.125%
HK$167,148
baseline
▲ 0.50% · 4.625%
HK$175,958
+HK$8,810/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$334,296/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,272
−HK$11,493/mo
▼ 0.25% · 3.875%
HK$188,973
−HK$5,792/mo
Today · 4.125%
HK$194,765
baseline
▲ 0.50% · 4.625%
HK$206,616
+HK$11,851/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$389,530/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,889
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,357
−HK$5,547/mo
Today · 4.125%
HK$214,904
baseline
▲ 0.50% · 4.625%
HK$226,232
+HK$11,328/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$429,808/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,711 · Scale 2, in force from 26 Feb 2026)