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$102,563
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,753
−HK$3,242/mo
Today · 4.125%
HK$108,995
baseline
▲ 0.50% · 4.625%
HK$115,627
+HK$6,632/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$217,990/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,100
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,161
−HK$3,104/mo
Today · 4.125%
HK$120,265
baseline
▲ 0.50% · 4.625%
HK$126,604
+HK$6,339/mo
Deposit HK$22.49M · loan HK$22.49M · min. income ≈ HK$240,530/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,076
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,904
−HK$3,890/mo
Today · 4.125%
HK$130,794
baseline
▲ 0.50% · 4.625%
HK$138,752
+HK$7,958/mo
Deposit HK$17.99M · loan HK$26.99M · min. income ≈ HK$261,588/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,920
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$140,593
−HK$3,725/mo
Today · 4.125%
HK$144,318
baseline
▲ 0.50% · 4.625%
HK$151,925
+HK$7,607/mo
Deposit HK$17.99M · loan HK$26.99M · min. income ≈ HK$288,636/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,588
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$148,055
−HK$4,538/mo
Today · 4.125%
HK$152,593
baseline
▲ 0.50% · 4.625%
HK$161,877
+HK$9,284/mo
Deposit HK$13.49M · loan HK$31.49M · min. income ≈ HK$305,186/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,741
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$164,025
−HK$4,346/mo
Today · 4.125%
HK$168,371
baseline
▲ 0.50% · 4.625%
HK$177,246
+HK$8,875/mo
Deposit HK$13.49M · loan HK$31.49M · min. income ≈ HK$336,742/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,614
−HK$11,576/mo
▼ 0.25% · 3.875%
HK$190,356
−HK$5,834/mo
Today · 4.125%
HK$196,190
baseline
▲ 0.50% · 4.625%
HK$208,128
+HK$11,938/mo
Deposit HK$4.50M · loan HK$40.48M · min. income ≈ HK$392,380/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,381
−HK$11,096/mo
▼ 0.25% · 3.875%
HK$210,889
−HK$5,588/mo
Today · 4.125%
HK$216,477
baseline
▲ 0.50% · 4.625%
HK$227,888
+HK$11,411/mo
Deposit HK$4.50M · loan HK$40.48M · min. income ≈ HK$432,954/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,597 · Scale 2, in force from 26 Feb 2026)