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$102,448
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$3,238/mo
Today · 4.125%
HK$108,872
baseline
▲ 0.50% · 4.625%
HK$115,497
+HK$6,625/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$217,744/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,972
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$117,029
−HK$3,101/mo
Today · 4.125%
HK$120,130
baseline
▲ 0.50% · 4.625%
HK$126,462
+HK$6,332/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$240,260/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,937
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,761
−HK$3,886/mo
Today · 4.125%
HK$130,647
baseline
▲ 0.50% · 4.625%
HK$138,596
+HK$7,949/mo
Deposit HK$17.97M · loan HK$26.96M · min. income ≈ HK$261,294/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,767
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,435
−HK$3,721/mo
Today · 4.125%
HK$144,156
baseline
▲ 0.50% · 4.625%
HK$151,754
+HK$7,598/mo
Deposit HK$17.97M · loan HK$26.96M · min. income ≈ HK$288,312/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,427
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$147,888
−HK$4,533/mo
Today · 4.125%
HK$152,421
baseline
▲ 0.50% · 4.625%
HK$161,695
+HK$9,274/mo
Deposit HK$13.48M · loan HK$31.45M · min. income ≈ HK$304,842/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,561
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$163,840
−HK$4,342/mo
Today · 4.125%
HK$168,182
baseline
▲ 0.50% · 4.625%
HK$177,047
+HK$8,865/mo
Deposit HK$13.48M · loan HK$31.45M · min. income ≈ HK$336,364/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,406
−HK$11,564/mo
▼ 0.25% · 3.875%
HK$190,142
−HK$5,828/mo
Today · 4.125%
HK$195,970
baseline
▲ 0.50% · 4.625%
HK$207,894
+HK$11,924/mo
Deposit HK$4.49M · loan HK$40.44M · min. income ≈ HK$391,940/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,150
−HK$11,083/mo
▼ 0.25% · 3.875%
HK$210,652
−HK$5,581/mo
Today · 4.125%
HK$216,233
baseline
▲ 0.50% · 4.625%
HK$227,631
+HK$11,398/mo
Deposit HK$4.49M · loan HK$40.44M · min. income ≈ HK$432,466/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,448 · Scale 2, in force from 26 Feb 2026)