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$102,429
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,615
−HK$3,237/mo
Today · 4.125%
HK$108,852
baseline
▲ 0.50% · 4.625%
HK$115,475
+HK$6,623/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$217,704/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,951
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$117,007
−HK$3,100/mo
Today · 4.125%
HK$120,107
baseline
▲ 0.50% · 4.625%
HK$126,438
+HK$6,331/mo
Deposit HK$22.46M · loan HK$22.46M · min. income ≈ HK$240,214/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,914
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$126,738
−HK$3,884/mo
Today · 4.125%
HK$130,622
baseline
▲ 0.50% · 4.625%
HK$138,570
+HK$7,948/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$261,244/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,741
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$140,408
−HK$3,721/mo
Today · 4.125%
HK$144,129
baseline
▲ 0.50% · 4.625%
HK$151,726
+HK$7,597/mo
Deposit HK$17.97M · loan HK$26.95M · min. income ≈ HK$288,258/mo (50% DSR)
Upfront cash ≈ HK$19.88M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,400
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$147,861
−HK$4,531/mo
Today · 4.125%
HK$152,392
baseline
▲ 0.50% · 4.625%
HK$161,665
+HK$9,273/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$304,784/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,531
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,810
−HK$4,340/mo
Today · 4.125%
HK$168,150
baseline
▲ 0.50% · 4.625%
HK$177,013
+HK$8,863/mo
Deposit HK$13.48M · loan HK$31.44M · min. income ≈ HK$336,300/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,371
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$190,106
−HK$5,827/mo
Today · 4.125%
HK$195,933
baseline
▲ 0.50% · 4.625%
HK$207,855
+HK$11,922/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$391,866/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,111
−HK$11,082/mo
▼ 0.25% · 3.875%
HK$210,612
−HK$5,581/mo
Today · 4.125%
HK$216,193
baseline
▲ 0.50% · 4.625%
HK$227,589
+HK$11,396/mo
Deposit HK$4.49M · loan HK$40.43M · min. income ≈ HK$432,386/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,909,090 · Scale 2, in force from 26 Feb 2026)