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$102,697
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,891
−HK$3,246/mo
Today · 4.125%
HK$109,137
baseline
▲ 0.50% · 4.625%
HK$115,778
+HK$6,641/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,274/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,249
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,313
−HK$3,109/mo
Today · 4.125%
HK$120,422
baseline
▲ 0.50% · 4.625%
HK$126,769
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,844/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,236
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,070
−HK$3,894/mo
Today · 4.125%
HK$130,964
baseline
▲ 0.50% · 4.625%
HK$138,933
+HK$7,969/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$261,928/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,099
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,776
−HK$3,730/mo
Today · 4.125%
HK$144,506
baseline
▲ 0.50% · 4.625%
HK$152,123
+HK$7,617/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$289,012/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,776
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,248
−HK$4,544/mo
Today · 4.125%
HK$152,792
baseline
▲ 0.50% · 4.625%
HK$162,089
+HK$9,297/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,584/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,949
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,239
−HK$4,351/mo
Today · 4.125%
HK$168,590
baseline
▲ 0.50% · 4.625%
HK$177,477
+HK$8,887/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,180/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,854
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,604
−HK$5,842/mo
Today · 4.125%
HK$196,446
baseline
▲ 0.50% · 4.625%
HK$208,400
+HK$11,954/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,892/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,648
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$211,164
−HK$5,595/mo
Today · 4.125%
HK$216,759
baseline
▲ 0.50% · 4.625%
HK$228,185
+HK$11,426/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,518/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,090 · Scale 2, in force from 26 Feb 2026)