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$101,809
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,976
−HK$3,217/mo
Today · 4.125%
HK$108,193
baseline
▲ 0.50% · 4.625%
HK$114,777
+HK$6,584/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,386/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,261
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,299
−HK$3,082/mo
Today · 4.125%
HK$119,381
baseline
▲ 0.50% · 4.625%
HK$125,673
+HK$6,292/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,762/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,171
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,971
−HK$3,861/mo
Today · 4.125%
HK$129,832
baseline
▲ 0.50% · 4.625%
HK$137,732
+HK$7,900/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,664/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,914
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,559
−HK$3,698/mo
Today · 4.125%
HK$143,257
baseline
▲ 0.50% · 4.625%
HK$150,808
+HK$7,551/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,514/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,532
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$146,966
−HK$4,504/mo
Today · 4.125%
HK$151,470
baseline
▲ 0.50% · 4.625%
HK$160,687
+HK$9,217/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$302,940/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,566
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$162,819
−HK$4,314/mo
Today · 4.125%
HK$167,133
baseline
▲ 0.50% · 4.625%
HK$175,943
+HK$8,810/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$334,266/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,256
−HK$11,492/mo
▼ 0.25% · 3.875%
HK$188,956
−HK$5,792/mo
Today · 4.125%
HK$194,748
baseline
▲ 0.50% · 4.625%
HK$206,598
+HK$11,850/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$389,496/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,870
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,338
−HK$5,547/mo
Today · 4.125%
HK$214,885
baseline
▲ 0.50% · 4.625%
HK$226,212
+HK$11,327/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$429,770/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,541 · Scale 2, in force from 26 Feb 2026)