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$102,797
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,994
−HK$3,249/mo
Today · 4.125%
HK$109,243
baseline
▲ 0.50% · 4.625%
HK$115,890
+HK$6,647/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$218,486/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,360
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,427
−HK$3,112/mo
Today · 4.125%
HK$120,539
baseline
▲ 0.50% · 4.625%
HK$126,892
+HK$6,353/mo
Deposit HK$22.54M · loan HK$22.54M · min. income ≈ HK$241,078/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,356
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$127,193
−HK$3,898/mo
Today · 4.125%
HK$131,091
baseline
▲ 0.50% · 4.625%
HK$139,068
+HK$7,977/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$262,182/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,232
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$140,913
−HK$3,733/mo
Today · 4.125%
HK$144,646
baseline
▲ 0.50% · 4.625%
HK$152,271
+HK$7,625/mo
Deposit HK$18.03M · loan HK$27.05M · min. income ≈ HK$289,292/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,915
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,392
−HK$4,548/mo
Today · 4.125%
HK$152,940
baseline
▲ 0.50% · 4.625%
HK$162,246
+HK$9,306/mo
Deposit HK$13.52M · loan HK$31.56M · min. income ≈ HK$305,880/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,104
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,398
−HK$4,356/mo
Today · 4.125%
HK$168,754
baseline
▲ 0.50% · 4.625%
HK$177,649
+HK$8,895/mo
Deposit HK$13.52M · loan HK$31.56M · min. income ≈ HK$337,508/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,034
−HK$11,603/mo
▼ 0.25% · 3.875%
HK$190,789
−HK$5,848/mo
Today · 4.125%
HK$196,637
baseline
▲ 0.50% · 4.625%
HK$208,602
+HK$11,965/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$393,274/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,848
−HK$11,122/mo
▼ 0.25% · 3.875%
HK$211,369
−HK$5,601/mo
Today · 4.125%
HK$216,970
baseline
▲ 0.50% · 4.625%
HK$228,406
+HK$11,436/mo
Deposit HK$4.51M · loan HK$40.57M · min. income ≈ HK$433,940/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,950 · Scale 2, in force from 26 Feb 2026)