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$102,081
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,256
−HK$3,226/mo
Today · 4.125%
HK$108,482
baseline
▲ 0.50% · 4.625%
HK$115,083
+HK$6,601/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,964/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,564
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,609
−HK$3,090/mo
Today · 4.125%
HK$119,699
baseline
▲ 0.50% · 4.625%
HK$126,009
+HK$6,310/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,398/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,497
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$126,307
−HK$3,871/mo
Today · 4.125%
HK$130,178
baseline
▲ 0.50% · 4.625%
HK$138,100
+HK$7,922/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$260,356/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,277
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,931
−HK$3,708/mo
Today · 4.125%
HK$143,639
baseline
▲ 0.50% · 4.625%
HK$151,211
+HK$7,572/mo
Deposit HK$17.91M · loan HK$26.86M · min. income ≈ HK$287,278/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,913
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$147,358
−HK$4,517/mo
Today · 4.125%
HK$151,875
baseline
▲ 0.50% · 4.625%
HK$161,116
+HK$9,241/mo
Deposit HK$13.43M · loan HK$31.34M · min. income ≈ HK$303,750/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,989
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$163,253
−HK$4,326/mo
Today · 4.125%
HK$167,579
baseline
▲ 0.50% · 4.625%
HK$176,412
+HK$8,833/mo
Deposit HK$13.43M · loan HK$31.34M · min. income ≈ HK$335,158/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,745
−HK$11,523/mo
▼ 0.25% · 3.875%
HK$189,461
−HK$5,807/mo
Today · 4.125%
HK$195,268
baseline
▲ 0.50% · 4.625%
HK$207,149
+HK$11,881/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$390,536/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,415
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$209,897
−HK$5,562/mo
Today · 4.125%
HK$215,459
baseline
▲ 0.50% · 4.625%
HK$226,816
+HK$11,357/mo
Deposit HK$4.48M · loan HK$40.29M · min. income ≈ HK$430,918/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,607 · Scale 2, in force from 26 Feb 2026)