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$101,718
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,882
−HK$3,214/mo
Today · 4.125%
HK$108,096
baseline
▲ 0.50% · 4.625%
HK$114,674
+HK$6,578/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$216,192/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,160
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,195
−HK$3,079/mo
Today · 4.125%
HK$119,274
baseline
▲ 0.50% · 4.625%
HK$125,561
+HK$6,287/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$238,548/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,061
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,858
−HK$3,858/mo
Today · 4.125%
HK$129,716
baseline
▲ 0.50% · 4.625%
HK$137,608
+HK$7,892/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$259,432/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,792
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,434
−HK$3,694/mo
Today · 4.125%
HK$143,128
baseline
▲ 0.50% · 4.625%
HK$150,673
+HK$7,545/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$286,256/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,405
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,834
−HK$4,501/mo
Today · 4.125%
HK$151,335
baseline
▲ 0.50% · 4.625%
HK$160,543
+HK$9,208/mo
Deposit HK$13.38M · loan HK$31.23M · min. income ≈ HK$302,670/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,424
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,673
−HK$4,310/mo
Today · 4.125%
HK$166,983
baseline
▲ 0.50% · 4.625%
HK$175,785
+HK$8,802/mo
Deposit HK$13.38M · loan HK$31.23M · min. income ≈ HK$333,966/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,092
−HK$11,481/mo
▼ 0.25% · 3.875%
HK$188,787
−HK$5,786/mo
Today · 4.125%
HK$194,573
baseline
▲ 0.50% · 4.625%
HK$206,413
+HK$11,840/mo
Deposit HK$4.46M · loan HK$40.15M · min. income ≈ HK$389,146/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,688
−HK$11,005/mo
▼ 0.25% · 3.875%
HK$209,151
−HK$5,542/mo
Today · 4.125%
HK$214,693
baseline
▲ 0.50% · 4.625%
HK$226,009
+HK$11,316/mo
Deposit HK$4.46M · loan HK$40.15M · min. income ≈ HK$429,386/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,895,842 · Scale 2, in force from 26 Feb 2026)