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$101,742
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,907
−HK$3,215/mo
Today · 4.125%
HK$108,122
baseline
▲ 0.50% · 4.625%
HK$114,701
+HK$6,579/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$216,244/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,187
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,223
−HK$3,080/mo
Today · 4.125%
HK$119,303
baseline
▲ 0.50% · 4.625%
HK$125,591
+HK$6,288/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$238,606/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,091
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,889
−HK$3,858/mo
Today · 4.125%
HK$129,747
baseline
▲ 0.50% · 4.625%
HK$137,642
+HK$7,895/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$259,494/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,825
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,468
−HK$3,695/mo
Today · 4.125%
HK$143,163
baseline
▲ 0.50% · 4.625%
HK$150,709
+HK$7,546/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$286,326/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,439
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$146,870
−HK$4,501/mo
Today · 4.125%
HK$151,371
baseline
▲ 0.50% · 4.625%
HK$160,582
+HK$9,211/mo
Deposit HK$13.39M · loan HK$31.23M · min. income ≈ HK$302,742/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,462
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,712
−HK$4,312/mo
Today · 4.125%
HK$167,024
baseline
▲ 0.50% · 4.625%
HK$175,828
+HK$8,804/mo
Deposit HK$13.39M · loan HK$31.23M · min. income ≈ HK$334,048/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,136
−HK$11,484/mo
▼ 0.25% · 3.875%
HK$188,833
−HK$5,787/mo
Today · 4.125%
HK$194,620
baseline
▲ 0.50% · 4.625%
HK$206,463
+HK$11,843/mo
Deposit HK$4.46M · loan HK$40.16M · min. income ≈ HK$389,240/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,737
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$209,201
−HK$5,544/mo
Today · 4.125%
HK$214,745
baseline
▲ 0.50% · 4.625%
HK$226,064
+HK$11,319/mo
Deposit HK$4.46M · loan HK$40.16M · min. income ≈ HK$429,490/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,300 · Scale 2, in force from 26 Feb 2026)