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$101,793
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,959
−HK$3,217/mo
Today · 4.125%
HK$108,176
baseline
▲ 0.50% · 4.625%
HK$114,758
+HK$6,582/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,352/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,243
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,280
−HK$3,082/mo
Today · 4.125%
HK$119,362
baseline
▲ 0.50% · 4.625%
HK$125,653
+HK$6,291/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,724/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,151
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$125,951
−HK$3,860/mo
Today · 4.125%
HK$129,811
baseline
▲ 0.50% · 4.625%
HK$137,710
+HK$7,899/mo
Deposit HK$17.86M · loan HK$26.78M · min. income ≈ HK$259,622/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,892
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,537
−HK$3,697/mo
Today · 4.125%
HK$143,234
baseline
▲ 0.50% · 4.625%
HK$150,784
+HK$7,550/mo
Deposit HK$17.86M · loan HK$26.78M · min. income ≈ HK$286,468/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,510
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,943
−HK$4,503/mo
Today · 4.125%
HK$151,446
baseline
▲ 0.50% · 4.625%
HK$160,662
+HK$9,216/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$302,892/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,541
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$162,793
−HK$4,313/mo
Today · 4.125%
HK$167,106
baseline
▲ 0.50% · 4.625%
HK$175,915
+HK$8,809/mo
Deposit HK$13.39M · loan HK$31.25M · min. income ≈ HK$334,212/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,227
−HK$11,490/mo
▼ 0.25% · 3.875%
HK$188,926
−HK$5,791/mo
Today · 4.125%
HK$194,717
baseline
▲ 0.50% · 4.625%
HK$206,565
+HK$11,848/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$389,434/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,838
−HK$11,013/mo
▼ 0.25% · 3.875%
HK$209,305
−HK$5,546/mo
Today · 4.125%
HK$214,851
baseline
▲ 0.50% · 4.625%
HK$226,176
+HK$11,325/mo
Deposit HK$4.46M · loan HK$40.18M · min. income ≈ HK$429,702/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,239 · Scale 2, in force from 26 Feb 2026)