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$102,134
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,311
−HK$3,228/mo
Today · 4.125%
HK$108,539
baseline
▲ 0.50% · 4.625%
HK$115,143
+HK$6,604/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,078/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,623
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,670
−HK$3,092/mo
Today · 4.125%
HK$119,762
baseline
▲ 0.50% · 4.625%
HK$126,074
+HK$6,312/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,524/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,561
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,373
−HK$3,873/mo
Today · 4.125%
HK$130,246
baseline
▲ 0.50% · 4.625%
HK$138,171
+HK$7,925/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$260,492/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,347
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$140,004
−HK$3,710/mo
Today · 4.125%
HK$143,714
baseline
▲ 0.50% · 4.625%
HK$151,289
+HK$7,575/mo
Deposit HK$17.92M · loan HK$26.87M · min. income ≈ HK$287,428/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,987
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$147,435
−HK$4,519/mo
Today · 4.125%
HK$151,954
baseline
▲ 0.50% · 4.625%
HK$161,200
+HK$9,246/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$303,908/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,072
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,338
−HK$4,328/mo
Today · 4.125%
HK$167,666
baseline
▲ 0.50% · 4.625%
HK$176,504
+HK$8,838/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$335,332/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,841
−HK$11,528/mo
▼ 0.25% · 3.875%
HK$189,559
−HK$5,810/mo
Today · 4.125%
HK$195,369
baseline
▲ 0.50% · 4.625%
HK$207,257
+HK$11,888/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$390,738/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,521
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$210,006
−HK$5,565/mo
Today · 4.125%
HK$215,571
baseline
▲ 0.50% · 4.625%
HK$226,934
+HK$11,363/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$431,142/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,597 · Scale 2, in force from 26 Feb 2026)