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$102,844
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$106,043
−HK$3,250/mo
Today · 4.125%
HK$109,293
baseline
▲ 0.50% · 4.625%
HK$115,943
+HK$6,650/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,586/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,412
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,481
−HK$3,113/mo
Today · 4.125%
HK$120,594
baseline
▲ 0.50% · 4.625%
HK$126,950
+HK$6,356/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,188/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,412
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,251
−HK$3,900/mo
Today · 4.125%
HK$131,151
baseline
▲ 0.50% · 4.625%
HK$139,132
+HK$7,981/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,302/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,295
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,977
−HK$3,736/mo
Today · 4.125%
HK$144,713
baseline
▲ 0.50% · 4.625%
HK$152,341
+HK$7,628/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,426/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,981
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$148,460
−HK$4,550/mo
Today · 4.125%
HK$153,010
baseline
▲ 0.50% · 4.625%
HK$162,320
+HK$9,310/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$306,020/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,177
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,473
−HK$4,358/mo
Today · 4.125%
HK$168,831
baseline
▲ 0.50% · 4.625%
HK$177,731
+HK$8,900/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,662/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,118
−HK$11,609/mo
▼ 0.25% · 3.875%
HK$190,877
−HK$5,850/mo
Today · 4.125%
HK$196,727
baseline
▲ 0.50% · 4.625%
HK$208,697
+HK$11,970/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$393,454/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,942
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$211,466
−HK$5,603/mo
Today · 4.125%
HK$217,069
baseline
▲ 0.50% · 4.625%
HK$228,511
+HK$11,442/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$434,138/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,825 · Scale 2, in force from 26 Feb 2026)