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$102,757
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,953
−HK$3,247/mo
Today · 4.125%
HK$109,200
baseline
▲ 0.50% · 4.625%
HK$115,845
+HK$6,645/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,400/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,316
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,382
−HK$3,110/mo
Today · 4.125%
HK$120,492
baseline
▲ 0.50% · 4.625%
HK$126,843
+HK$6,351/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$240,984/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,308
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,143
−HK$3,897/mo
Today · 4.125%
HK$131,040
baseline
▲ 0.50% · 4.625%
HK$139,014
+HK$7,974/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,080/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,179
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,858
−HK$3,732/mo
Today · 4.125%
HK$144,590
baseline
▲ 0.50% · 4.625%
HK$152,212
+HK$7,622/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,180/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,859
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$148,334
−HK$4,546/mo
Today · 4.125%
HK$152,880
baseline
▲ 0.50% · 4.625%
HK$162,183
+HK$9,303/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$305,760/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,042
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,334
−HK$4,355/mo
Today · 4.125%
HK$168,689
baseline
▲ 0.50% · 4.625%
HK$177,580
+HK$8,891/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$337,378/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,962
−HK$11,599/mo
▼ 0.25% · 3.875%
HK$190,715
−HK$5,846/mo
Today · 4.125%
HK$196,561
baseline
▲ 0.50% · 4.625%
HK$208,521
+HK$11,960/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,122/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,768
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$211,287
−HK$5,598/mo
Today · 4.125%
HK$216,885
baseline
▲ 0.50% · 4.625%
HK$228,318
+HK$11,433/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,770/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,204 · Scale 2, in force from 26 Feb 2026)