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$102,184
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$3,229/mo
Today · 4.125%
HK$108,592
baseline
▲ 0.50% · 4.625%
HK$115,200
+HK$6,608/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$217,184/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,679
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,728
−HK$3,093/mo
Today · 4.125%
HK$119,821
baseline
▲ 0.50% · 4.625%
HK$126,137
+HK$6,316/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$239,642/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,621
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,435
−HK$3,876/mo
Today · 4.125%
HK$130,311
baseline
▲ 0.50% · 4.625%
HK$138,240
+HK$7,929/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$260,622/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,415
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,074
−HK$3,711/mo
Today · 4.125%
HK$143,785
baseline
▲ 0.50% · 4.625%
HK$151,364
+HK$7,579/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$287,570/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,058
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$147,508
−HK$4,521/mo
Today · 4.125%
HK$152,029
baseline
▲ 0.50% · 4.625%
HK$161,280
+HK$9,251/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$304,058/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,151
−HK$8,598/mo
▼ 0.25% · 3.875%
HK$163,419
−HK$4,330/mo
Today · 4.125%
HK$167,749
baseline
▲ 0.50% · 4.625%
HK$176,591
+HK$8,842/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$335,498/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,932
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$189,653
−HK$5,813/mo
Today · 4.125%
HK$195,466
baseline
▲ 0.50% · 4.625%
HK$207,360
+HK$11,894/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$390,932/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,622
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$210,110
−HK$5,568/mo
Today · 4.125%
HK$215,678
baseline
▲ 0.50% · 4.625%
HK$227,046
+HK$11,368/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$431,356/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,539 · Scale 2, in force from 26 Feb 2026)