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$102,052
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,227
−HK$3,225/mo
Today · 4.125%
HK$108,452
baseline
▲ 0.50% · 4.625%
HK$115,051
+HK$6,599/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,904/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,532
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,577
−HK$3,089/mo
Today · 4.125%
HK$119,666
baseline
▲ 0.50% · 4.625%
HK$125,974
+HK$6,308/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,332/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,463
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$126,272
−HK$3,870/mo
Today · 4.125%
HK$130,142
baseline
▲ 0.50% · 4.625%
HK$138,061
+HK$7,919/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,284/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,239
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,893
−HK$3,706/mo
Today · 4.125%
HK$143,599
baseline
▲ 0.50% · 4.625%
HK$151,169
+HK$7,570/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,198/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,873
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,317
−HK$4,516/mo
Today · 4.125%
HK$151,833
baseline
▲ 0.50% · 4.625%
HK$161,071
+HK$9,238/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,666/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,945
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,208
−HK$4,324/mo
Today · 4.125%
HK$167,532
baseline
▲ 0.50% · 4.625%
HK$176,363
+HK$8,831/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,064/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,694
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$189,408
−HK$5,805/mo
Today · 4.125%
HK$195,213
baseline
▲ 0.50% · 4.625%
HK$207,092
+HK$11,879/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,426/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,358
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$209,839
−HK$5,560/mo
Today · 4.125%
HK$215,399
baseline
▲ 0.50% · 4.625%
HK$226,753
+HK$11,354/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,798/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,078 · Scale 2, in force from 26 Feb 2026)