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$101,710
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,873
−HK$3,215/mo
Today · 4.125%
HK$108,088
baseline
▲ 0.50% · 4.625%
HK$114,665
+HK$6,577/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$216,176/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,151
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,186
−HK$3,078/mo
Today · 4.125%
HK$119,264
baseline
▲ 0.50% · 4.625%
HK$125,551
+HK$6,287/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$238,528/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,052
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$125,848
−HK$3,857/mo
Today · 4.125%
HK$129,705
baseline
▲ 0.50% · 4.625%
HK$137,598
+HK$7,893/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$259,410/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,781
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,423
−HK$3,694/mo
Today · 4.125%
HK$143,117
baseline
▲ 0.50% · 4.625%
HK$150,661
+HK$7,544/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$286,234/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,394
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,823
−HK$4,500/mo
Today · 4.125%
HK$151,323
baseline
▲ 0.50% · 4.625%
HK$160,531
+HK$9,208/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$302,646/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,411
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,660
−HK$4,310/mo
Today · 4.125%
HK$166,970
baseline
▲ 0.50% · 4.625%
HK$175,771
+HK$8,801/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$333,940/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,077
−HK$11,481/mo
▼ 0.25% · 3.875%
HK$188,772
−HK$5,786/mo
Today · 4.125%
HK$194,558
baseline
▲ 0.50% · 4.625%
HK$206,396
+HK$11,838/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$389,116/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,672
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$209,134
−HK$5,542/mo
Today · 4.125%
HK$214,676
baseline
▲ 0.50% · 4.625%
HK$225,991
+HK$11,315/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$429,352/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,692 · Scale 2, in force from 26 Feb 2026)