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$102,793
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,990
−HK$3,249/mo
Today · 4.125%
HK$109,239
baseline
▲ 0.50% · 4.625%
HK$115,886
+HK$6,647/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,478/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,356
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,423
−HK$3,111/mo
Today · 4.125%
HK$120,534
baseline
▲ 0.50% · 4.625%
HK$126,888
+HK$6,354/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,068/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,351
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$127,188
−HK$3,899/mo
Today · 4.125%
HK$131,087
baseline
▲ 0.50% · 4.625%
HK$139,063
+HK$7,976/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$262,174/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,227
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$140,907
−HK$3,734/mo
Today · 4.125%
HK$144,641
baseline
▲ 0.50% · 4.625%
HK$152,265
+HK$7,624/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$289,282/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,910
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,386
−HK$4,548/mo
Today · 4.125%
HK$152,934
baseline
▲ 0.50% · 4.625%
HK$162,240
+HK$9,306/mo
Deposit HK$13.52M · loan HK$31.56M · min. income ≈ HK$305,868/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,098
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,392
−HK$4,356/mo
Today · 4.125%
HK$168,748
baseline
▲ 0.50% · 4.625%
HK$177,643
+HK$8,895/mo
Deposit HK$13.52M · loan HK$31.56M · min. income ≈ HK$337,496/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,027
−HK$11,603/mo
▼ 0.25% · 3.875%
HK$190,782
−HK$5,848/mo
Today · 4.125%
HK$196,630
baseline
▲ 0.50% · 4.625%
HK$208,594
+HK$11,964/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,260/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,841
−HK$11,121/mo
▼ 0.25% · 3.875%
HK$211,361
−HK$5,601/mo
Today · 4.125%
HK$216,962
baseline
▲ 0.50% · 4.625%
HK$228,398
+HK$11,436/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,924/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,878 · Scale 2, in force from 26 Feb 2026)