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$101,847
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,015
−HK$3,219/mo
Today · 4.125%
HK$108,234
baseline
▲ 0.50% · 4.625%
HK$114,820
+HK$6,586/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$216,468/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,304
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,343
−HK$3,083/mo
Today · 4.125%
HK$119,426
baseline
▲ 0.50% · 4.625%
HK$125,721
+HK$6,295/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$238,852/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,217
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$126,018
−HK$3,863/mo
Today · 4.125%
HK$129,881
baseline
▲ 0.50% · 4.625%
HK$137,784
+HK$7,903/mo
Deposit HK$17.87M · loan HK$26.80M · min. income ≈ HK$259,762/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,965
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$139,612
−HK$3,699/mo
Today · 4.125%
HK$143,311
baseline
▲ 0.50% · 4.625%
HK$150,865
+HK$7,554/mo
Deposit HK$17.87M · loan HK$26.80M · min. income ≈ HK$286,622/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,586
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$147,022
−HK$4,506/mo
Today · 4.125%
HK$151,528
baseline
▲ 0.50% · 4.625%
HK$160,748
+HK$9,220/mo
Deposit HK$13.40M · loan HK$31.27M · min. income ≈ HK$303,056/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,626
−HK$8,570/mo
▼ 0.25% · 3.875%
HK$162,880
−HK$4,316/mo
Today · 4.125%
HK$167,196
baseline
▲ 0.50% · 4.625%
HK$176,009
+HK$8,813/mo
Deposit HK$13.40M · loan HK$31.27M · min. income ≈ HK$334,392/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,325
−HK$11,496/mo
▼ 0.25% · 3.875%
HK$189,028
−HK$5,793/mo
Today · 4.125%
HK$194,821
baseline
▲ 0.50% · 4.625%
HK$206,676
+HK$11,855/mo
Deposit HK$4.47M · loan HK$40.20M · min. income ≈ HK$389,642/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,947
−HK$11,019/mo
▼ 0.25% · 3.875%
HK$209,417
−HK$5,549/mo
Today · 4.125%
HK$214,966
baseline
▲ 0.50% · 4.625%
HK$226,297
+HK$11,331/mo
Deposit HK$4.47M · loan HK$40.20M · min. income ≈ HK$429,932/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,898,257 · Scale 2, in force from 26 Feb 2026)