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$101,952
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,123
−HK$3,222/mo
Today · 4.125%
HK$108,345
baseline
▲ 0.50% · 4.625%
HK$114,938
+HK$6,593/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$216,690/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,421
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,463
−HK$3,085/mo
Today · 4.125%
HK$119,548
baseline
▲ 0.50% · 4.625%
HK$125,850
+HK$6,302/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$239,096/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,343
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$126,148
−HK$3,867/mo
Today · 4.125%
HK$130,015
baseline
▲ 0.50% · 4.625%
HK$137,926
+HK$7,911/mo
Deposit HK$17.88M · loan HK$26.83M · min. income ≈ HK$260,030/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,105
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$139,755
−HK$3,703/mo
Today · 4.125%
HK$143,458
baseline
▲ 0.50% · 4.625%
HK$151,020
+HK$7,562/mo
Deposit HK$17.88M · loan HK$26.83M · min. income ≈ HK$286,916/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,733
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$147,173
−HK$4,511/mo
Today · 4.125%
HK$151,684
baseline
▲ 0.50% · 4.625%
HK$160,913
+HK$9,229/mo
Deposit HK$13.41M · loan HK$31.30M · min. income ≈ HK$303,368/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,789
−HK$8,579/mo
▼ 0.25% · 3.875%
HK$163,048
−HK$4,320/mo
Today · 4.125%
HK$167,368
baseline
▲ 0.50% · 4.625%
HK$176,190
+HK$8,822/mo
Deposit HK$13.41M · loan HK$31.30M · min. income ≈ HK$334,736/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,514
−HK$11,508/mo
▼ 0.25% · 3.875%
HK$189,222
−HK$5,800/mo
Today · 4.125%
HK$195,022
baseline
▲ 0.50% · 4.625%
HK$206,888
+HK$11,866/mo
Deposit HK$4.47M · loan HK$40.24M · min. income ≈ HK$390,044/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,157
−HK$11,030/mo
▼ 0.25% · 3.875%
HK$209,633
−HK$5,554/mo
Today · 4.125%
HK$215,187
baseline
▲ 0.50% · 4.625%
HK$226,530
+HK$11,343/mo
Deposit HK$4.47M · loan HK$40.24M · min. income ≈ HK$430,374/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,210 · Scale 2, in force from 26 Feb 2026)