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$102,838
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,037
−HK$3,250/mo
Today · 4.125%
HK$109,287
baseline
▲ 0.50% · 4.625%
HK$115,937
+HK$6,650/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,574/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,406
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,474
−HK$3,113/mo
Today · 4.125%
HK$120,587
baseline
▲ 0.50% · 4.625%
HK$126,943
+HK$6,356/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,174/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,405
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,244
−HK$3,900/mo
Today · 4.125%
HK$131,144
baseline
▲ 0.50% · 4.625%
HK$139,124
+HK$7,980/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,288/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,287
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,969
−HK$3,736/mo
Today · 4.125%
HK$144,705
baseline
▲ 0.50% · 4.625%
HK$152,332
+HK$7,627/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,410/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,973
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,451
−HK$4,550/mo
Today · 4.125%
HK$153,001
baseline
▲ 0.50% · 4.625%
HK$162,311
+HK$9,310/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$306,002/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,169
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$164,464
−HK$4,358/mo
Today · 4.125%
HK$168,822
baseline
▲ 0.50% · 4.625%
HK$177,721
+HK$8,899/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,644/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,108
−HK$11,608/mo
▼ 0.25% · 3.875%
HK$190,866
−HK$5,850/mo
Today · 4.125%
HK$196,716
baseline
▲ 0.50% · 4.625%
HK$208,686
+HK$11,970/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$393,432/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,931
−HK$11,126/mo
▼ 0.25% · 3.875%
HK$211,454
−HK$5,603/mo
Today · 4.125%
HK$217,057
baseline
▲ 0.50% · 4.625%
HK$228,498
+HK$11,441/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$434,114/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,719 · Scale 2, in force from 26 Feb 2026)