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$102,058
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,232
−HK$3,226/mo
Today · 4.125%
HK$108,458
baseline
▲ 0.50% · 4.625%
HK$115,057
+HK$6,599/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,916/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,538
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,583
−HK$3,089/mo
Today · 4.125%
HK$119,672
baseline
▲ 0.50% · 4.625%
HK$125,981
+HK$6,309/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,344/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,469
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,279
−HK$3,870/mo
Today · 4.125%
HK$130,149
baseline
▲ 0.50% · 4.625%
HK$138,069
+HK$7,920/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,298/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,246
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,900
−HK$3,707/mo
Today · 4.125%
HK$143,607
baseline
▲ 0.50% · 4.625%
HK$151,177
+HK$7,570/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,214/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,881
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,325
−HK$4,516/mo
Today · 4.125%
HK$151,841
baseline
▲ 0.50% · 4.625%
HK$161,080
+HK$9,239/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,682/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,954
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,217
−HK$4,324/mo
Today · 4.125%
HK$167,541
baseline
▲ 0.50% · 4.625%
HK$176,373
+HK$8,832/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,082/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,704
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$189,418
−HK$5,806/mo
Today · 4.125%
HK$195,224
baseline
▲ 0.50% · 4.625%
HK$207,103
+HK$11,879/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,448/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,369
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$209,850
−HK$5,560/mo
Today · 4.125%
HK$215,410
baseline
▲ 0.50% · 4.625%
HK$226,765
+HK$11,355/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,820/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,180 · Scale 2, in force from 26 Feb 2026)