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$101,816
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,983
−HK$3,218/mo
Today · 4.125%
HK$108,201
baseline
▲ 0.50% · 4.625%
HK$114,784
+HK$6,583/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$216,402/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,269
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,307
−HK$3,082/mo
Today · 4.125%
HK$119,389
baseline
▲ 0.50% · 4.625%
HK$125,682
+HK$6,293/mo
Deposit HK$22.33M · loan HK$22.33M · min. income ≈ HK$238,778/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,179
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$125,979
−HK$3,862/mo
Today · 4.125%
HK$129,841
baseline
▲ 0.50% · 4.625%
HK$137,741
+HK$7,900/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$259,682/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,923
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,568
−HK$3,698/mo
Today · 4.125%
HK$143,266
baseline
▲ 0.50% · 4.625%
HK$150,818
+HK$7,552/mo
Deposit HK$17.86M · loan HK$26.79M · min. income ≈ HK$286,532/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,542
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,976
−HK$4,505/mo
Today · 4.125%
HK$151,481
baseline
▲ 0.50% · 4.625%
HK$160,698
+HK$9,217/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$302,962/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,577
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$162,830
−HK$4,314/mo
Today · 4.125%
HK$167,144
baseline
▲ 0.50% · 4.625%
HK$175,954
+HK$8,810/mo
Deposit HK$13.40M · loan HK$31.26M · min. income ≈ HK$334,288/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,268
−HK$11,493/mo
▼ 0.25% · 3.875%
HK$188,969
−HK$5,792/mo
Today · 4.125%
HK$194,761
baseline
▲ 0.50% · 4.625%
HK$206,612
+HK$11,851/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$389,522/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,884
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,352
−HK$5,547/mo
Today · 4.125%
HK$214,899
baseline
▲ 0.50% · 4.625%
HK$226,227
+HK$11,328/mo
Deposit HK$4.47M · loan HK$40.19M · min. income ≈ HK$429,798/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,897,669 · Scale 2, in force from 26 Feb 2026)