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$102,241
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,421
−HK$3,231/mo
Today · 4.125%
HK$108,652
baseline
▲ 0.50% · 4.625%
HK$115,264
+HK$6,612/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$217,304/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,742
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,793
−HK$3,094/mo
Today · 4.125%
HK$119,887
baseline
▲ 0.50% · 4.625%
HK$126,207
+HK$6,320/mo
Deposit HK$22.42M · loan HK$22.42M · min. income ≈ HK$239,774/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,689
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,506
−HK$3,877/mo
Today · 4.125%
HK$130,383
baseline
▲ 0.50% · 4.625%
HK$138,316
+HK$7,933/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$260,766/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,490
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,151
−HK$3,714/mo
Today · 4.125%
HK$143,865
baseline
▲ 0.50% · 4.625%
HK$151,448
+HK$7,583/mo
Deposit HK$17.93M · loan HK$26.90M · min. income ≈ HK$287,730/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,137
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$147,590
−HK$4,523/mo
Today · 4.125%
HK$152,113
baseline
▲ 0.50% · 4.625%
HK$161,369
+HK$9,256/mo
Deposit HK$13.45M · loan HK$31.39M · min. income ≈ HK$304,226/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,239
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$163,510
−HK$4,332/mo
Today · 4.125%
HK$167,842
baseline
▲ 0.50% · 4.625%
HK$176,689
+HK$8,847/mo
Deposit HK$13.45M · loan HK$31.39M · min. income ≈ HK$335,684/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,034
−HK$11,540/mo
▼ 0.25% · 3.875%
HK$189,758
−HK$5,816/mo
Today · 4.125%
HK$195,574
baseline
▲ 0.50% · 4.625%
HK$207,475
+HK$11,901/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$391,148/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,736
−HK$11,061/mo
▼ 0.25% · 3.875%
HK$210,227
−HK$5,570/mo
Today · 4.125%
HK$215,797
baseline
▲ 0.50% · 4.625%
HK$227,172
+HK$11,375/mo
Deposit HK$4.48M · loan HK$40.35M · min. income ≈ HK$431,594/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,905,594 · Scale 2, in force from 26 Feb 2026)