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$103,989
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,223
−HK$3,287/mo
Today · 4.125%
HK$110,510
baseline
▲ 0.50% · 4.625%
HK$117,234
+HK$6,724/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$221,020/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,686
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$118,789
−HK$3,148/mo
Today · 4.125%
HK$121,937
baseline
▲ 0.50% · 4.625%
HK$128,364
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,874/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,787
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,668
−HK$3,944/mo
Today · 4.125%
HK$132,612
baseline
▲ 0.50% · 4.625%
HK$140,681
+HK$8,069/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,224/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,824
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,547
−HK$3,777/mo
Today · 4.125%
HK$146,324
baseline
▲ 0.50% · 4.625%
HK$154,037
+HK$7,713/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,648/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,584
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,113
−HK$4,601/mo
Today · 4.125%
HK$154,714
baseline
▲ 0.50% · 4.625%
HK$164,128
+HK$9,414/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,428/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,961
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,305
−HK$4,406/mo
Today · 4.125%
HK$170,711
baseline
▲ 0.50% · 4.625%
HK$179,710
+HK$8,999/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,422/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,180
−HK$11,738/mo
▼ 0.25% · 3.875%
HK$193,002
−HK$5,916/mo
Today · 4.125%
HK$198,918
baseline
▲ 0.50% · 4.625%
HK$211,021
+HK$12,103/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,836/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,236
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$213,820
−HK$5,666/mo
Today · 4.125%
HK$219,486
baseline
▲ 0.50% · 4.625%
HK$231,055
+HK$11,569/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,972/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,169 · Scale 2, in force from 26 Feb 2026)