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$102,335
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,518
−HK$3,234/mo
Today · 4.125%
HK$108,752
baseline
▲ 0.50% · 4.625%
HK$115,369
+HK$6,617/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,504/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,846
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,900
−HK$3,097/mo
Today · 4.125%
HK$119,997
baseline
▲ 0.50% · 4.625%
HK$126,322
+HK$6,325/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$239,994/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,802
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,621
−HK$3,881/mo
Today · 4.125%
HK$130,502
baseline
▲ 0.50% · 4.625%
HK$138,443
+HK$7,941/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$261,004/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,616
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,280
−HK$3,716/mo
Today · 4.125%
HK$143,996
baseline
▲ 0.50% · 4.625%
HK$151,587
+HK$7,591/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$287,992/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,269
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,725
−HK$4,528/mo
Today · 4.125%
HK$152,253
baseline
▲ 0.50% · 4.625%
HK$161,517
+HK$9,264/mo
Deposit HK$13.46M · loan HK$31.42M · min. income ≈ HK$304,506/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,385
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,659
−HK$4,337/mo
Today · 4.125%
HK$167,996
baseline
▲ 0.50% · 4.625%
HK$176,851
+HK$8,855/mo
Deposit HK$13.46M · loan HK$31.42M · min. income ≈ HK$335,992/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,202
−HK$11,552/mo
▼ 0.25% · 3.875%
HK$189,932
−HK$5,822/mo
Today · 4.125%
HK$195,754
baseline
▲ 0.50% · 4.625%
HK$207,665
+HK$11,911/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$391,508/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,923
−HK$11,072/mo
▼ 0.25% · 3.875%
HK$210,419
−HK$5,576/mo
Today · 4.125%
HK$215,995
baseline
▲ 0.50% · 4.625%
HK$227,380
+HK$11,385/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$431,990/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,907,340 · Scale 2, in force from 26 Feb 2026)