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$102,474
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,662
−HK$3,238/mo
Today · 4.125%
HK$108,900
baseline
▲ 0.50% · 4.625%
HK$115,526
+HK$6,626/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$217,800/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,001
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,059
−HK$3,102/mo
Today · 4.125%
HK$120,161
baseline
▲ 0.50% · 4.625%
HK$126,494
+HK$6,333/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$240,322/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,969
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$126,794
−HK$3,886/mo
Today · 4.125%
HK$130,680
baseline
▲ 0.50% · 4.625%
HK$138,632
+HK$7,952/mo
Deposit HK$17.98M · loan HK$26.96M · min. income ≈ HK$261,360/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,802
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,471
−HK$3,722/mo
Today · 4.125%
HK$144,193
baseline
▲ 0.50% · 4.625%
HK$151,793
+HK$7,600/mo
Deposit HK$17.98M · loan HK$26.96M · min. income ≈ HK$288,386/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,464
−HK$8,996/mo
▼ 0.25% · 3.875%
HK$147,926
−HK$4,534/mo
Today · 4.125%
HK$152,460
baseline
▲ 0.50% · 4.625%
HK$161,737
+HK$9,277/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$304,920/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,602
−HK$8,623/mo
▼ 0.25% · 3.875%
HK$163,882
−HK$4,343/mo
Today · 4.125%
HK$168,225
baseline
▲ 0.50% · 4.625%
HK$177,092
+HK$8,867/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$336,450/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,453
−HK$11,567/mo
▼ 0.25% · 3.875%
HK$190,191
−HK$5,829/mo
Today · 4.125%
HK$196,020
baseline
▲ 0.50% · 4.625%
HK$207,948
+HK$11,928/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$392,040/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,202
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$210,706
−HK$5,583/mo
Today · 4.125%
HK$216,289
baseline
▲ 0.50% · 4.625%
HK$227,690
+HK$11,401/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$432,578/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,938 · Scale 2, in force from 26 Feb 2026)