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$103,594
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,817
−HK$3,274/mo
Today · 4.125%
HK$110,091
baseline
▲ 0.50% · 4.625%
HK$116,790
+HK$6,699/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$220,182/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,248
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,339
−HK$3,135/mo
Today · 4.125%
HK$121,474
baseline
▲ 0.50% · 4.625%
HK$127,877
+HK$6,403/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$242,948/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,313
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,180
−HK$3,929/mo
Today · 4.125%
HK$132,109
baseline
▲ 0.50% · 4.625%
HK$140,147
+HK$8,038/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$264,218/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,297
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,006
−HK$3,763/mo
Today · 4.125%
HK$145,769
baseline
▲ 0.50% · 4.625%
HK$153,453
+HK$7,684/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$291,538/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,032
−HK$9,095/mo
▼ 0.25% · 3.875%
HK$149,544
−HK$4,583/mo
Today · 4.125%
HK$154,127
baseline
▲ 0.50% · 4.625%
HK$163,505
+HK$9,378/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,254/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,347
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$165,674
−HK$4,390/mo
Today · 4.125%
HK$170,064
baseline
▲ 0.50% · 4.625%
HK$179,028
+HK$8,964/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,128/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,470
−HK$11,693/mo
▼ 0.25% · 3.875%
HK$192,270
−HK$5,893/mo
Today · 4.125%
HK$198,163
baseline
▲ 0.50% · 4.625%
HK$210,221
+HK$12,058/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$396,326/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,446
−HK$11,208/mo
▼ 0.25% · 3.875%
HK$213,010
−HK$5,644/mo
Today · 4.125%
HK$218,654
baseline
▲ 0.50% · 4.625%
HK$230,179
+HK$11,525/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$437,308/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,821 · Scale 2, in force from 26 Feb 2026)