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$102,275
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,456
−HK$3,233/mo
Today · 4.125%
HK$108,689
baseline
▲ 0.50% · 4.625%
HK$115,302
+HK$6,613/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$217,378/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,780
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,832
−HK$3,095/mo
Today · 4.125%
HK$119,927
baseline
▲ 0.50% · 4.625%
HK$126,249
+HK$6,322/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$239,854/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,730
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,548
−HK$3,878/mo
Today · 4.125%
HK$130,426
baseline
▲ 0.50% · 4.625%
HK$138,362
+HK$7,936/mo
Deposit HK$17.94M · loan HK$26.91M · min. income ≈ HK$260,852/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,536
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,198
−HK$3,715/mo
Today · 4.125%
HK$143,913
baseline
▲ 0.50% · 4.625%
HK$151,498
+HK$7,585/mo
Deposit HK$17.94M · loan HK$26.91M · min. income ≈ HK$287,826/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,185
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$147,639
−HK$4,525/mo
Today · 4.125%
HK$152,164
baseline
▲ 0.50% · 4.625%
HK$161,423
+HK$9,259/mo
Deposit HK$13.46M · loan HK$31.40M · min. income ≈ HK$304,328/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,292
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$163,564
−HK$4,334/mo
Today · 4.125%
HK$167,898
baseline
▲ 0.50% · 4.625%
HK$176,748
+HK$8,850/mo
Deposit HK$13.46M · loan HK$31.40M · min. income ≈ HK$335,796/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,095
−HK$11,545/mo
▼ 0.25% · 3.875%
HK$189,822
−HK$5,818/mo
Today · 4.125%
HK$195,640
baseline
▲ 0.50% · 4.625%
HK$207,544
+HK$11,904/mo
Deposit HK$4.49M · loan HK$40.37M · min. income ≈ HK$391,280/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,804
−HK$11,065/mo
▼ 0.25% · 3.875%
HK$210,297
−HK$5,572/mo
Today · 4.125%
HK$215,869
baseline
▲ 0.50% · 4.625%
HK$227,248
+HK$11,379/mo
Deposit HK$4.49M · loan HK$40.37M · min. income ≈ HK$431,738/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,229 · Scale 2, in force from 26 Feb 2026)