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$104,426
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,674
−HK$3,301/mo
Today · 4.125%
HK$110,975
baseline
▲ 0.50% · 4.625%
HK$117,727
+HK$6,752/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$221,950/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,173
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,289
−HK$3,161/mo
Today · 4.125%
HK$122,450
baseline
▲ 0.50% · 4.625%
HK$128,904
+HK$6,454/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$244,900/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,311
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,209
−HK$3,961/mo
Today · 4.125%
HK$133,170
baseline
▲ 0.50% · 4.625%
HK$141,273
+HK$8,103/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$266,340/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,408
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,147
−HK$3,792/mo
Today · 4.125%
HK$146,939
baseline
▲ 0.50% · 4.625%
HK$154,685
+HK$7,746/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$293,878/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,197
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$150,744
−HK$4,621/mo
Today · 4.125%
HK$155,365
baseline
▲ 0.50% · 4.625%
HK$164,818
+HK$9,453/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$310,730/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,642
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$167,004
−HK$4,425/mo
Today · 4.125%
HK$171,429
baseline
▲ 0.50% · 4.625%
HK$180,466
+HK$9,037/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$342,858/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,967
−HK$11,787/mo
▼ 0.25% · 3.875%
HK$193,814
−HK$5,940/mo
Today · 4.125%
HK$199,754
baseline
▲ 0.50% · 4.625%
HK$211,909
+HK$12,155/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$399,508/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,112
−HK$11,297/mo
▼ 0.25% · 3.875%
HK$214,720
−HK$5,689/mo
Today · 4.125%
HK$220,409
baseline
▲ 0.50% · 4.625%
HK$232,027
+HK$11,618/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$440,818/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,323 · Scale 2, in force from 26 Feb 2026)