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$101,981
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,153
−HK$3,223/mo
Today · 4.125%
HK$108,376
baseline
▲ 0.50% · 4.625%
HK$114,971
+HK$6,595/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$216,752/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,453
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,496
−HK$3,087/mo
Today · 4.125%
HK$119,583
baseline
▲ 0.50% · 4.625%
HK$125,886
+HK$6,303/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$239,166/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,377
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$126,184
−HK$3,868/mo
Today · 4.125%
HK$130,052
baseline
▲ 0.50% · 4.625%
HK$137,965
+HK$7,913/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$260,104/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,144
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$139,795
−HK$3,704/mo
Today · 4.125%
HK$143,499
baseline
▲ 0.50% · 4.625%
HK$151,063
+HK$7,564/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$286,998/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,774
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$147,215
−HK$4,512/mo
Today · 4.125%
HK$151,727
baseline
▲ 0.50% · 4.625%
HK$160,959
+HK$9,232/mo
Deposit HK$13.42M · loan HK$31.31M · min. income ≈ HK$303,454/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,834
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$163,094
−HK$4,322/mo
Today · 4.125%
HK$167,416
baseline
▲ 0.50% · 4.625%
HK$176,240
+HK$8,824/mo
Deposit HK$13.42M · loan HK$31.31M · min. income ≈ HK$334,832/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,566
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$189,276
−HK$5,801/mo
Today · 4.125%
HK$195,077
baseline
▲ 0.50% · 4.625%
HK$206,947
+HK$11,870/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$390,154/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,215
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$209,692
−HK$5,557/mo
Today · 4.125%
HK$215,249
baseline
▲ 0.50% · 4.625%
HK$226,595
+HK$11,346/mo
Deposit HK$4.47M · loan HK$40.25M · min. income ≈ HK$430,498/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,751 · Scale 2, in force from 26 Feb 2026)