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$102,065
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,240
−HK$3,226/mo
Today · 4.125%
HK$108,466
baseline
▲ 0.50% · 4.625%
HK$115,065
+HK$6,599/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,932/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,546
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,592
−HK$3,089/mo
Today · 4.125%
HK$119,681
baseline
▲ 0.50% · 4.625%
HK$125,990
+HK$6,309/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,362/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,478
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,288
−HK$3,871/mo
Today · 4.125%
HK$130,159
baseline
▲ 0.50% · 4.625%
HK$138,079
+HK$7,920/mo
Deposit HK$17.90M · loan HK$26.86M · min. income ≈ HK$260,318/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,256
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,910
−HK$3,707/mo
Today · 4.125%
HK$143,617
baseline
▲ 0.50% · 4.625%
HK$151,188
+HK$7,571/mo
Deposit HK$17.90M · loan HK$26.86M · min. income ≈ HK$287,234/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,891
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$147,336
−HK$4,516/mo
Today · 4.125%
HK$151,852
baseline
▲ 0.50% · 4.625%
HK$161,092
+HK$9,240/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,704/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,965
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$163,228
−HK$4,325/mo
Today · 4.125%
HK$167,553
baseline
▲ 0.50% · 4.625%
HK$176,385
+HK$8,832/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,106/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,717
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$189,432
−HK$5,806/mo
Today · 4.125%
HK$195,238
baseline
▲ 0.50% · 4.625%
HK$207,118
+HK$11,880/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,476/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,384
−HK$11,042/mo
▼ 0.25% · 3.875%
HK$209,865
−HK$5,561/mo
Today · 4.125%
HK$215,426
baseline
▲ 0.50% · 4.625%
HK$226,781
+HK$11,355/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,852/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,317 · Scale 2, in force from 26 Feb 2026)