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$102,155
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$105,332
−HK$3,229/mo
Today · 4.125%
HK$108,561
baseline
▲ 0.50% · 4.625%
HK$115,166
+HK$6,605/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,122/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,646
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,694
−HK$3,092/mo
Today · 4.125%
HK$119,786
baseline
▲ 0.50% · 4.625%
HK$126,100
+HK$6,314/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,572/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,586
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$126,399
−HK$3,874/mo
Today · 4.125%
HK$130,273
baseline
▲ 0.50% · 4.625%
HK$138,199
+HK$7,926/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$260,546/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,375
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$140,033
−HK$3,710/mo
Today · 4.125%
HK$143,743
baseline
▲ 0.50% · 4.625%
HK$151,320
+HK$7,577/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$287,486/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,016
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,465
−HK$4,520/mo
Today · 4.125%
HK$151,985
baseline
▲ 0.50% · 4.625%
HK$161,233
+HK$9,248/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$303,970/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,104
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$163,371
−HK$4,329/mo
Today · 4.125%
HK$167,700
baseline
▲ 0.50% · 4.625%
HK$176,540
+HK$8,840/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$335,400/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,878
−HK$11,531/mo
▼ 0.25% · 3.875%
HK$189,598
−HK$5,811/mo
Today · 4.125%
HK$195,409
baseline
▲ 0.50% · 4.625%
HK$207,299
+HK$11,890/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$390,818/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,563
−HK$11,052/mo
▼ 0.25% · 3.875%
HK$210,049
−HK$5,566/mo
Today · 4.125%
HK$215,615
baseline
▲ 0.50% · 4.625%
HK$226,980
+HK$11,365/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$431,230/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,984 · Scale 2, in force from 26 Feb 2026)