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$102,766
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,963
−HK$3,247/mo
Today · 4.125%
HK$109,210
baseline
▲ 0.50% · 4.625%
HK$115,856
+HK$6,646/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,420/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,326
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,392
−HK$3,111/mo
Today · 4.125%
HK$120,503
baseline
▲ 0.50% · 4.625%
HK$126,855
+HK$6,352/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$241,006/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,319
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,155
−HK$3,897/mo
Today · 4.125%
HK$131,052
baseline
▲ 0.50% · 4.625%
HK$139,027
+HK$7,975/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,104/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,191
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,871
−HK$3,732/mo
Today · 4.125%
HK$144,603
baseline
▲ 0.50% · 4.625%
HK$152,226
+HK$7,623/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,206/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,872
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,348
−HK$4,546/mo
Today · 4.125%
HK$152,894
baseline
▲ 0.50% · 4.625%
HK$162,198
+HK$9,304/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$305,788/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,057
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,349
−HK$4,355/mo
Today · 4.125%
HK$168,704
baseline
▲ 0.50% · 4.625%
HK$177,597
+HK$8,893/mo
Deposit HK$13.52M · loan HK$31.55M · min. income ≈ HK$337,408/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,979
−HK$11,600/mo
▼ 0.25% · 3.875%
HK$190,733
−HK$5,846/mo
Today · 4.125%
HK$196,579
baseline
▲ 0.50% · 4.625%
HK$208,540
+HK$11,961/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,158/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,787
−HK$11,118/mo
▼ 0.25% · 3.875%
HK$211,306
−HK$5,599/mo
Today · 4.125%
HK$216,905
baseline
▲ 0.50% · 4.625%
HK$228,338
+HK$11,433/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,810/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,380 · Scale 2, in force from 26 Feb 2026)