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$104,346
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,592
−HK$3,298/mo
Today · 4.125%
HK$110,890
baseline
▲ 0.50% · 4.625%
HK$117,637
+HK$6,747/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$221,780/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,084
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,198
−HK$3,158/mo
Today · 4.125%
HK$122,356
baseline
▲ 0.50% · 4.625%
HK$128,805
+HK$6,449/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$244,712/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,216
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,110
−HK$3,958/mo
Today · 4.125%
HK$133,068
baseline
▲ 0.50% · 4.625%
HK$141,165
+HK$8,097/mo
Deposit HK$18.30M · loan HK$27.46M · min. income ≈ HK$266,136/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,301
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,037
−HK$3,790/mo
Today · 4.125%
HK$146,827
baseline
▲ 0.50% · 4.625%
HK$154,567
+HK$7,740/mo
Deposit HK$18.30M · loan HK$27.46M · min. income ≈ HK$293,654/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,085
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$150,629
−HK$4,617/mo
Today · 4.125%
HK$155,246
baseline
▲ 0.50% · 4.625%
HK$164,692
+HK$9,446/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$310,492/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,518
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$166,877
−HK$4,421/mo
Today · 4.125%
HK$171,298
baseline
▲ 0.50% · 4.625%
HK$180,328
+HK$9,030/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$342,596/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,823
−HK$11,779/mo
▼ 0.25% · 3.875%
HK$193,666
−HK$5,936/mo
Today · 4.125%
HK$199,602
baseline
▲ 0.50% · 4.625%
HK$211,747
+HK$12,145/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$399,204/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,952
−HK$11,289/mo
▼ 0.25% · 3.875%
HK$214,556
−HK$5,685/mo
Today · 4.125%
HK$220,241
baseline
▲ 0.50% · 4.625%
HK$231,850
+HK$11,609/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$440,482/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,833 · Scale 2, in force from 26 Feb 2026)