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$103,093
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,300
−HK$3,258/mo
Today · 4.125%
HK$109,558
baseline
▲ 0.50% · 4.625%
HK$116,224
+HK$6,666/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,116/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,690
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,766
−HK$3,120/mo
Today · 4.125%
HK$120,886
baseline
▲ 0.50% · 4.625%
HK$127,259
+HK$6,373/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,772/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,712
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,560
−HK$3,910/mo
Today · 4.125%
HK$131,470
baseline
▲ 0.50% · 4.625%
HK$139,469
+HK$7,999/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$262,940/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,628
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,319
−HK$3,745/mo
Today · 4.125%
HK$145,064
baseline
▲ 0.50% · 4.625%
HK$152,710
+HK$7,646/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$290,128/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,330
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$148,820
−HK$4,561/mo
Today · 4.125%
HK$153,381
baseline
▲ 0.50% · 4.625%
HK$162,714
+HK$9,333/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,762/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,566
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,873
−HK$4,368/mo
Today · 4.125%
HK$169,241
baseline
▲ 0.50% · 4.625%
HK$178,162
+HK$8,921/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,482/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,568
−HK$11,636/mo
▼ 0.25% · 3.875%
HK$191,340
−HK$5,864/mo
Today · 4.125%
HK$197,204
baseline
▲ 0.50% · 4.625%
HK$209,204
+HK$12,000/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,408/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,442
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$211,979
−HK$5,617/mo
Today · 4.125%
HK$217,596
baseline
▲ 0.50% · 4.625%
HK$229,065
+HK$11,469/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,192/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,478 · Scale 2, in force from 26 Feb 2026)