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$101,338
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,490
−HK$3,203/mo
Today · 4.125%
HK$107,693
baseline
▲ 0.50% · 4.625%
HK$114,245
+HK$6,552/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$215,386/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,737
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$115,761
−HK$3,067/mo
Today · 4.125%
HK$118,828
baseline
▲ 0.50% · 4.625%
HK$125,092
+HK$6,264/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$237,656/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,605
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,388
−HK$3,843/mo
Today · 4.125%
HK$129,231
baseline
▲ 0.50% · 4.625%
HK$137,094
+HK$7,863/mo
Deposit HK$17.78M · loan HK$26.66M · min. income ≈ HK$258,462/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,285
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,913
−HK$3,681/mo
Today · 4.125%
HK$142,594
baseline
▲ 0.50% · 4.625%
HK$150,110
+HK$7,516/mo
Deposit HK$17.78M · loan HK$26.66M · min. income ≈ HK$285,188/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,873
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,286
−HK$4,484/mo
Today · 4.125%
HK$150,770
baseline
▲ 0.50% · 4.625%
HK$159,944
+HK$9,174/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$301,540/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,832
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,065
−HK$4,294/mo
Today · 4.125%
HK$166,359
baseline
▲ 0.50% · 4.625%
HK$175,128
+HK$8,769/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$332,718/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,408
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$188,082
−HK$5,765/mo
Today · 4.125%
HK$193,847
baseline
▲ 0.50% · 4.625%
HK$205,642
+HK$11,795/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$387,694/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,927
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$208,369
−HK$5,522/mo
Today · 4.125%
HK$213,891
baseline
▲ 0.50% · 4.625%
HK$225,165
+HK$11,274/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$427,782/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,759 · Scale 2, in force from 26 Feb 2026)