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$102,121
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,297
−HK$3,228/mo
Today · 4.125%
HK$108,525
baseline
▲ 0.50% · 4.625%
HK$115,128
+HK$6,603/mo
Deposit HK$22.39M · loan HK$22.39M · min. income ≈ HK$217,050/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,608
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,655
−HK$3,091/mo
Today · 4.125%
HK$119,746
baseline
▲ 0.50% · 4.625%
HK$126,058
+HK$6,312/mo
Deposit HK$22.39M · loan HK$22.39M · min. income ≈ HK$239,492/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,545
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$126,357
−HK$3,872/mo
Today · 4.125%
HK$130,229
baseline
▲ 0.50% · 4.625%
HK$138,154
+HK$7,925/mo
Deposit HK$17.91M · loan HK$26.87M · min. income ≈ HK$260,458/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,330
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,986
−HK$3,709/mo
Today · 4.125%
HK$143,695
baseline
▲ 0.50% · 4.625%
HK$151,270
+HK$7,575/mo
Deposit HK$17.91M · loan HK$26.87M · min. income ≈ HK$287,390/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,969
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$147,416
−HK$4,518/mo
Today · 4.125%
HK$151,934
baseline
▲ 0.50% · 4.625%
HK$161,179
+HK$9,245/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$303,868/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,051
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,317
−HK$4,328/mo
Today · 4.125%
HK$167,645
baseline
▲ 0.50% · 4.625%
HK$176,481
+HK$8,836/mo
Deposit HK$13.44M · loan HK$31.35M · min. income ≈ HK$335,290/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,817
−HK$11,527/mo
▼ 0.25% · 3.875%
HK$189,535
−HK$5,809/mo
Today · 4.125%
HK$195,344
baseline
▲ 0.50% · 4.625%
HK$207,230
+HK$11,886/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$390,688/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,495
−HK$11,048/mo
▼ 0.25% · 3.875%
HK$209,979
−HK$5,564/mo
Today · 4.125%
HK$215,543
baseline
▲ 0.50% · 4.625%
HK$226,905
+HK$11,362/mo
Deposit HK$4.48M · loan HK$40.31M · min. income ≈ HK$431,086/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,351 · Scale 2, in force from 26 Feb 2026)