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$102,167
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$105,345
−HK$3,229/mo
Today · 4.125%
HK$108,574
baseline
▲ 0.50% · 4.625%
HK$115,180
+HK$6,606/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,148/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,660
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$116,708
−HK$3,093/mo
Today · 4.125%
HK$119,801
baseline
▲ 0.50% · 4.625%
HK$126,115
+HK$6,314/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,602/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,601
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,414
−HK$3,875/mo
Today · 4.125%
HK$130,289
baseline
▲ 0.50% · 4.625%
HK$138,216
+HK$7,927/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$260,578/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,392
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,050
−HK$3,711/mo
Today · 4.125%
HK$143,761
baseline
▲ 0.50% · 4.625%
HK$151,339
+HK$7,578/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$287,522/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,034
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,483
−HK$4,520/mo
Today · 4.125%
HK$152,003
baseline
▲ 0.50% · 4.625%
HK$161,253
+HK$9,250/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$304,006/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,124
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$163,391
−HK$4,330/mo
Today · 4.125%
HK$167,721
baseline
▲ 0.50% · 4.625%
HK$176,562
+HK$8,841/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$335,442/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,901
−HK$11,532/mo
▼ 0.25% · 3.875%
HK$189,621
−HK$5,812/mo
Today · 4.125%
HK$195,433
baseline
▲ 0.50% · 4.625%
HK$207,325
+HK$11,892/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$390,866/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,588
−HK$11,053/mo
▼ 0.25% · 3.875%
HK$210,075
−HK$5,566/mo
Today · 4.125%
HK$215,641
baseline
▲ 0.50% · 4.625%
HK$227,008
+HK$11,367/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$431,282/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,904,217 · Scale 2, in force from 26 Feb 2026)