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$101,591
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,751
−HK$3,210/mo
Today · 4.125%
HK$107,961
baseline
▲ 0.50% · 4.625%
HK$114,531
+HK$6,570/mo
Deposit HK$22.28M · loan HK$22.28M · min. income ≈ HK$215,922/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,019
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,050
−HK$3,075/mo
Today · 4.125%
HK$119,125
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$6,279/mo
Deposit HK$22.28M · loan HK$22.28M · min. income ≈ HK$238,250/mo (50% DSR)
Upfront cash ≈ HK$24.17M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,909
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,701
−HK$3,853/mo
Today · 4.125%
HK$129,554
baseline
▲ 0.50% · 4.625%
HK$137,437
+HK$7,883/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$259,108/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,623
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,260
−HK$3,690/mo
Today · 4.125%
HK$142,950
baseline
▲ 0.50% · 4.625%
HK$150,485
+HK$7,535/mo
Deposit HK$17.82M · loan HK$26.73M · min. income ≈ HK$285,900/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,227
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,651
−HK$4,495/mo
Today · 4.125%
HK$151,146
baseline
▲ 0.50% · 4.625%
HK$160,343
+HK$9,197/mo
Deposit HK$13.37M · loan HK$31.19M · min. income ≈ HK$302,292/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,226
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,470
−HK$4,305/mo
Today · 4.125%
HK$166,775
baseline
▲ 0.50% · 4.625%
HK$175,566
+HK$8,791/mo
Deposit HK$13.37M · loan HK$31.19M · min. income ≈ HK$333,550/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,863
−HK$11,468/mo
▼ 0.25% · 3.875%
HK$188,552
−HK$5,779/mo
Today · 4.125%
HK$194,331
baseline
▲ 0.50% · 4.625%
HK$206,155
+HK$11,824/mo
Deposit HK$4.46M · loan HK$40.10M · min. income ≈ HK$388,662/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,434
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$208,890
−HK$5,535/mo
Today · 4.125%
HK$214,425
baseline
▲ 0.50% · 4.625%
HK$225,727
+HK$11,302/mo
Deposit HK$4.46M · loan HK$40.10M · min. income ≈ HK$428,850/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,893,476 · Scale 2, in force from 26 Feb 2026)