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$102,538
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,727
−HK$3,241/mo
Today · 4.125%
HK$108,968
baseline
▲ 0.50% · 4.625%
HK$115,598
+HK$6,630/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$217,936/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,072
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,132
−HK$3,103/mo
Today · 4.125%
HK$120,235
baseline
▲ 0.50% · 4.625%
HK$126,573
+HK$6,338/mo
Deposit HK$22.48M · loan HK$22.48M · min. income ≈ HK$240,470/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,046
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,873
−HK$3,889/mo
Today · 4.125%
HK$130,762
baseline
▲ 0.50% · 4.625%
HK$138,718
+HK$7,956/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$261,524/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,887
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,558
−HK$3,725/mo
Today · 4.125%
HK$144,283
baseline
▲ 0.50% · 4.625%
HK$151,888
+HK$7,605/mo
Deposit HK$17.99M · loan HK$26.98M · min. income ≈ HK$288,566/mo (50% DSR)
Upfront cash ≈ HK$19.90M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,553
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$148,018
−HK$4,537/mo
Today · 4.125%
HK$152,555
baseline
▲ 0.50% · 4.625%
HK$161,838
+HK$9,283/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$305,110/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,701
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$163,985
−HK$4,345/mo
Today · 4.125%
HK$168,330
baseline
▲ 0.50% · 4.625%
HK$177,203
+HK$8,873/mo
Deposit HK$13.49M · loan HK$31.48M · min. income ≈ HK$336,660/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,568
−HK$11,574/mo
▼ 0.25% · 3.875%
HK$190,309
−HK$5,833/mo
Today · 4.125%
HK$196,142
baseline
▲ 0.50% · 4.625%
HK$208,077
+HK$11,935/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$392,284/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,330
−HK$11,094/mo
▼ 0.25% · 3.875%
HK$210,837
−HK$5,587/mo
Today · 4.125%
HK$216,424
baseline
▲ 0.50% · 4.625%
HK$227,832
+HK$11,408/mo
Deposit HK$4.50M · loan HK$40.47M · min. income ≈ HK$432,848/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,911,129 · Scale 2, in force from 26 Feb 2026)