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$103,275
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,488
−HK$3,263/mo
Today · 4.125%
HK$109,751
baseline
▲ 0.50% · 4.625%
HK$116,430
+HK$6,679/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,502/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,893
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,974
−HK$3,126/mo
Today · 4.125%
HK$121,100
baseline
▲ 0.50% · 4.625%
HK$127,483
+HK$6,383/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,200/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,930
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,785
−HK$3,917/mo
Today · 4.125%
HK$131,702
baseline
▲ 0.50% · 4.625%
HK$139,716
+HK$8,014/mo
Deposit HK$18.12M · loan HK$27.17M · min. income ≈ HK$263,404/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,871
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,569
−HK$3,751/mo
Today · 4.125%
HK$145,320
baseline
▲ 0.50% · 4.625%
HK$152,980
+HK$7,660/mo
Deposit HK$18.12M · loan HK$27.17M · min. income ≈ HK$290,640/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,585
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,083
−HK$4,569/mo
Today · 4.125%
HK$153,652
baseline
▲ 0.50% · 4.625%
HK$163,001
+HK$9,349/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$307,304/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,850
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$165,164
−HK$4,376/mo
Today · 4.125%
HK$169,540
baseline
▲ 0.50% · 4.625%
HK$178,477
+HK$8,937/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$339,080/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,895
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$191,678
−HK$5,875/mo
Today · 4.125%
HK$197,553
baseline
▲ 0.50% · 4.625%
HK$209,573
+HK$12,020/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,106/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,807
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$212,353
−HK$5,627/mo
Today · 4.125%
HK$217,980
baseline
▲ 0.50% · 4.625%
HK$229,470
+HK$11,490/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,960/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,870 · Scale 2, in force from 26 Feb 2026)