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$102,041
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,215
−HK$3,225/mo
Today · 4.125%
HK$108,440
baseline
▲ 0.50% · 4.625%
HK$115,038
+HK$6,598/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$216,880/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,519
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,564
−HK$3,089/mo
Today · 4.125%
HK$119,653
baseline
▲ 0.50% · 4.625%
HK$125,960
+HK$6,307/mo
Deposit HK$22.37M · loan HK$22.37M · min. income ≈ HK$239,306/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,449
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$126,258
−HK$3,870/mo
Today · 4.125%
HK$130,128
baseline
▲ 0.50% · 4.625%
HK$138,046
+HK$7,918/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,256/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,223
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,877
−HK$3,706/mo
Today · 4.125%
HK$143,583
baseline
▲ 0.50% · 4.625%
HK$151,151
+HK$7,568/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,166/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,857
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,301
−HK$4,515/mo
Today · 4.125%
HK$151,816
baseline
▲ 0.50% · 4.625%
HK$161,053
+HK$9,237/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$303,632/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,927
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,190
−HK$4,324/mo
Today · 4.125%
HK$167,514
baseline
▲ 0.50% · 4.625%
HK$176,343
+HK$8,829/mo
Deposit HK$13.42M · loan HK$31.32M · min. income ≈ HK$335,028/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,674
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$189,387
−HK$5,804/mo
Today · 4.125%
HK$195,191
baseline
▲ 0.50% · 4.625%
HK$207,068
+HK$11,877/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$390,382/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,335
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$209,815
−HK$5,560/mo
Today · 4.125%
HK$215,375
baseline
▲ 0.50% · 4.625%
HK$226,727
+HK$11,352/mo
Deposit HK$4.47M · loan HK$40.27M · min. income ≈ HK$430,750/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,864 · Scale 2, in force from 26 Feb 2026)