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$102,027
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,201
−HK$3,224/mo
Today · 4.125%
HK$108,425
baseline
▲ 0.50% · 4.625%
HK$115,022
+HK$6,597/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$216,850/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,504
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,548
−HK$3,088/mo
Today · 4.125%
HK$119,636
baseline
▲ 0.50% · 4.625%
HK$125,943
+HK$6,307/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$239,272/mo (50% DSR)
Upfront cash ≈ HK$24.27M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,432
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,241
−HK$3,869/mo
Today · 4.125%
HK$130,110
baseline
▲ 0.50% · 4.625%
HK$138,027
+HK$7,917/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,220/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,205
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,858
−HK$3,706/mo
Today · 4.125%
HK$143,564
baseline
▲ 0.50% · 4.625%
HK$151,131
+HK$7,567/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,128/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,838
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$147,281
−HK$4,514/mo
Today · 4.125%
HK$151,795
baseline
▲ 0.50% · 4.625%
HK$161,031
+HK$9,236/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$303,590/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,906
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$163,167
−HK$4,324/mo
Today · 4.125%
HK$167,491
baseline
▲ 0.50% · 4.625%
HK$176,320
+HK$8,829/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$334,982/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,649
−HK$11,516/mo
▼ 0.25% · 3.875%
HK$189,361
−HK$5,804/mo
Today · 4.125%
HK$195,165
baseline
▲ 0.50% · 4.625%
HK$207,040
+HK$11,875/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$390,330/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,307
−HK$11,038/mo
▼ 0.25% · 3.875%
HK$209,787
−HK$5,558/mo
Today · 4.125%
HK$215,345
baseline
▲ 0.50% · 4.625%
HK$226,697
+HK$11,352/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$430,690/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,607 · Scale 2, in force from 26 Feb 2026)