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$101,828
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$104,996
−HK$3,218/mo
Today · 4.125%
HK$108,214
baseline
▲ 0.50% · 4.625%
HK$114,799
+HK$6,585/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$216,428/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,283
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,321
−HK$3,082/mo
Today · 4.125%
HK$119,403
baseline
▲ 0.50% · 4.625%
HK$125,697
+HK$6,294/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$238,806/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,194
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$125,995
−HK$3,862/mo
Today · 4.125%
HK$129,857
baseline
▲ 0.50% · 4.625%
HK$137,758
+HK$7,901/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,714/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,940
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$139,586
−HK$3,698/mo
Today · 4.125%
HK$143,284
baseline
▲ 0.50% · 4.625%
HK$150,837
+HK$7,553/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,568/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,560
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$146,994
−HK$4,506/mo
Today · 4.125%
HK$151,500
baseline
▲ 0.50% · 4.625%
HK$160,718
+HK$9,218/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$303,000/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,596
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,850
−HK$4,315/mo
Today · 4.125%
HK$167,165
baseline
▲ 0.50% · 4.625%
HK$175,976
+HK$8,811/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$334,330/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,291
−HK$11,494/mo
▼ 0.25% · 3.875%
HK$188,993
−HK$5,792/mo
Today · 4.125%
HK$194,785
baseline
▲ 0.50% · 4.625%
HK$206,637
+HK$11,852/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$389,570/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,910
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$209,378
−HK$5,548/mo
Today · 4.125%
HK$214,926
baseline
▲ 0.50% · 4.625%
HK$226,255
+HK$11,329/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$429,852/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,904 · Scale 2, in force from 26 Feb 2026)