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$101,606
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,766
−HK$3,211/mo
Today · 4.125%
HK$107,977
baseline
▲ 0.50% · 4.625%
HK$114,547
+HK$6,570/mo
Deposit HK$22.28M · loan HK$22.28M · min. income ≈ HK$215,954/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,035
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,067
−HK$3,075/mo
Today · 4.125%
HK$119,142
baseline
▲ 0.50% · 4.625%
HK$125,422
+HK$6,280/mo
Deposit HK$22.28M · loan HK$22.28M · min. income ≈ HK$238,284/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,927
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,719
−HK$3,854/mo
Today · 4.125%
HK$129,573
baseline
▲ 0.50% · 4.625%
HK$137,457
+HK$7,884/mo
Deposit HK$17.82M · loan HK$26.74M · min. income ≈ HK$259,146/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,642
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,280
−HK$3,691/mo
Today · 4.125%
HK$142,971
baseline
▲ 0.50% · 4.625%
HK$150,507
+HK$7,536/mo
Deposit HK$17.82M · loan HK$26.74M · min. income ≈ HK$285,942/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,248
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$146,672
−HK$4,496/mo
Today · 4.125%
HK$151,168
baseline
▲ 0.50% · 4.625%
HK$160,366
+HK$9,198/mo
Deposit HK$13.37M · loan HK$31.19M · min. income ≈ HK$302,336/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,249
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$162,493
−HK$4,306/mo
Today · 4.125%
HK$166,799
baseline
▲ 0.50% · 4.625%
HK$175,591
+HK$8,792/mo
Deposit HK$13.37M · loan HK$31.19M · min. income ≈ HK$333,598/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,890
−HK$11,469/mo
▼ 0.25% · 3.875%
HK$188,579
−HK$5,780/mo
Today · 4.125%
HK$194,359
baseline
▲ 0.50% · 4.625%
HK$206,185
+HK$11,826/mo
Deposit HK$4.46M · loan HK$40.10M · min. income ≈ HK$388,718/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,463
−HK$10,993/mo
▼ 0.25% · 3.875%
HK$208,920
−HK$5,536/mo
Today · 4.125%
HK$214,456
baseline
▲ 0.50% · 4.625%
HK$225,760
+HK$11,304/mo
Deposit HK$4.46M · loan HK$40.10M · min. income ≈ HK$428,912/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,751 · Scale 2, in force from 26 Feb 2026)