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$102,285
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,466
−HK$3,233/mo
Today · 4.125%
HK$108,699
baseline
▲ 0.50% · 4.625%
HK$115,313
+HK$6,614/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$217,398/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,791
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,842
−HK$3,096/mo
Today · 4.125%
HK$119,938
baseline
▲ 0.50% · 4.625%
HK$126,260
+HK$6,322/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$239,876/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,741
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,559
−HK$3,879/mo
Today · 4.125%
HK$130,438
baseline
▲ 0.50% · 4.625%
HK$138,375
+HK$7,937/mo
Deposit HK$17.94M · loan HK$26.91M · min. income ≈ HK$260,876/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,549
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,211
−HK$3,715/mo
Today · 4.125%
HK$143,926
baseline
▲ 0.50% · 4.625%
HK$151,513
+HK$7,587/mo
Deposit HK$17.94M · loan HK$26.91M · min. income ≈ HK$287,852/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,198
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$147,653
−HK$4,525/mo
Today · 4.125%
HK$152,178
baseline
▲ 0.50% · 4.625%
HK$161,438
+HK$9,260/mo
Deposit HK$13.46M · loan HK$31.40M · min. income ≈ HK$304,356/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,307
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$163,579
−HK$4,335/mo
Today · 4.125%
HK$167,914
baseline
▲ 0.50% · 4.625%
HK$176,765
+HK$8,851/mo
Deposit HK$13.46M · loan HK$31.40M · min. income ≈ HK$335,828/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,112
−HK$11,546/mo
▼ 0.25% · 3.875%
HK$189,839
−HK$5,819/mo
Today · 4.125%
HK$195,658
baseline
▲ 0.50% · 4.625%
HK$207,563
+HK$11,905/mo
Deposit HK$4.49M · loan HK$40.37M · min. income ≈ HK$391,316/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,823
−HK$11,066/mo
▼ 0.25% · 3.875%
HK$210,316
−HK$5,573/mo
Today · 4.125%
HK$215,889
baseline
▲ 0.50% · 4.625%
HK$227,269
+HK$11,380/mo
Deposit HK$4.49M · loan HK$40.37M · min. income ≈ HK$431,778/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,407 · Scale 2, in force from 26 Feb 2026)