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$101,386
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$104,540
−HK$3,204/mo
Today · 4.125%
HK$107,744
baseline
▲ 0.50% · 4.625%
HK$114,300
+HK$6,556/mo
Deposit HK$22.23M · loan HK$22.23M · min. income ≈ HK$215,488/mo (50% DSR)
Upfront cash ≈ HK$24.12M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,791
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$115,816
−HK$3,069/mo
Today · 4.125%
HK$118,885
baseline
▲ 0.50% · 4.625%
HK$125,151
+HK$6,266/mo
Deposit HK$22.23M · loan HK$22.23M · min. income ≈ HK$237,770/mo (50% DSR)
Upfront cash ≈ HK$24.12M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,663
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,448
−HK$3,845/mo
Today · 4.125%
HK$129,293
baseline
▲ 0.50% · 4.625%
HK$137,160
+HK$7,867/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$258,586/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,349
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$138,979
−HK$3,683/mo
Today · 4.125%
HK$142,662
baseline
▲ 0.50% · 4.625%
HK$150,181
+HK$7,519/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$285,324/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,940
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$146,356
−HK$4,485/mo
Today · 4.125%
HK$150,841
baseline
▲ 0.50% · 4.625%
HK$160,020
+HK$9,179/mo
Deposit HK$13.34M · loan HK$31.12M · min. income ≈ HK$301,682/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,907
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$162,142
−HK$4,296/mo
Today · 4.125%
HK$166,438
baseline
▲ 0.50% · 4.625%
HK$175,212
+HK$8,774/mo
Deposit HK$13.34M · loan HK$31.12M · min. income ≈ HK$332,876/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,495
−HK$11,444/mo
▼ 0.25% · 3.875%
HK$188,171
−HK$5,768/mo
Today · 4.125%
HK$193,939
baseline
▲ 0.50% · 4.625%
HK$205,740
+HK$11,801/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$387,878/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,024
−HK$10,968/mo
▼ 0.25% · 3.875%
HK$208,469
−HK$5,523/mo
Today · 4.125%
HK$213,992
baseline
▲ 0.50% · 4.625%
HK$225,272
+HK$11,280/mo
Deposit HK$4.45M · loan HK$40.02M · min. income ≈ HK$427,984/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,889,658 · Scale 2, in force from 26 Feb 2026)