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$101,920
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,090
−HK$3,221/mo
Today · 4.125%
HK$108,311
baseline
▲ 0.50% · 4.625%
HK$114,902
+HK$6,591/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$216,622/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,385
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,426
−HK$3,085/mo
Today · 4.125%
HK$119,511
baseline
▲ 0.50% · 4.625%
HK$125,810
+HK$6,299/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$239,022/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,304
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,108
−HK$3,865/mo
Today · 4.125%
HK$129,973
baseline
▲ 0.50% · 4.625%
HK$137,882
+HK$7,909/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$259,946/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,062
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,711
−HK$3,702/mo
Today · 4.125%
HK$143,413
baseline
▲ 0.50% · 4.625%
HK$150,972
+HK$7,559/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$286,826/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,688
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$147,126
−HK$4,510/mo
Today · 4.125%
HK$151,636
baseline
▲ 0.50% · 4.625%
HK$160,862
+HK$9,226/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$303,272/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,739
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$162,996
−HK$4,319/mo
Today · 4.125%
HK$167,315
baseline
▲ 0.50% · 4.625%
HK$176,134
+HK$8,819/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$334,630/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,456
−HK$11,504/mo
▼ 0.25% · 3.875%
HK$189,162
−HK$5,798/mo
Today · 4.125%
HK$194,960
baseline
▲ 0.50% · 4.625%
HK$206,823
+HK$11,863/mo
Deposit HK$4.47M · loan HK$40.23M · min. income ≈ HK$389,920/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,093
−HK$11,026/mo
▼ 0.25% · 3.875%
HK$209,566
−HK$5,553/mo
Today · 4.125%
HK$215,119
baseline
▲ 0.50% · 4.625%
HK$226,459
+HK$11,340/mo
Deposit HK$4.47M · loan HK$40.23M · min. income ≈ HK$430,238/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,610 · Scale 2, in force from 26 Feb 2026)