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$102,506
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,695
−HK$3,239/mo
Today · 4.125%
HK$108,934
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$6,629/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$217,868/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,037
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,096
−HK$3,102/mo
Today · 4.125%
HK$120,198
baseline
▲ 0.50% · 4.625%
HK$126,534
+HK$6,336/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$240,396/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,008
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,834
−HK$3,887/mo
Today · 4.125%
HK$130,721
baseline
▲ 0.50% · 4.625%
HK$138,675
+HK$7,954/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$261,442/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,845
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,515
−HK$3,723/mo
Today · 4.125%
HK$144,238
baseline
▲ 0.50% · 4.625%
HK$151,841
+HK$7,603/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$288,476/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,509
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$147,973
−HK$4,535/mo
Today · 4.125%
HK$152,508
baseline
▲ 0.50% · 4.625%
HK$161,788
+HK$9,280/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$305,016/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,652
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,934
−HK$4,344/mo
Today · 4.125%
HK$168,278
baseline
▲ 0.50% · 4.625%
HK$177,148
+HK$8,870/mo
Deposit HK$13.49M · loan HK$31.47M · min. income ≈ HK$336,556/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,512
−HK$11,570/mo
▼ 0.25% · 3.875%
HK$190,251
−HK$5,831/mo
Today · 4.125%
HK$196,082
baseline
▲ 0.50% · 4.625%
HK$208,013
+HK$11,931/mo
Deposit HK$4.50M · loan HK$40.46M · min. income ≈ HK$392,164/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,267
−HK$11,090/mo
▼ 0.25% · 3.875%
HK$210,772
−HK$5,585/mo
Today · 4.125%
HK$216,357
baseline
▲ 0.50% · 4.625%
HK$227,762
+HK$11,405/mo
Deposit HK$4.50M · loan HK$40.46M · min. income ≈ HK$432,714/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,910,541 · Scale 2, in force from 26 Feb 2026)