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$104,073
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,311
−HK$3,289/mo
Today · 4.125%
HK$110,600
baseline
▲ 0.50% · 4.625%
HK$117,329
+HK$6,729/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$221,200/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,781
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,886
−HK$3,150/mo
Today · 4.125%
HK$122,036
baseline
▲ 0.50% · 4.625%
HK$128,469
+HK$6,433/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$244,072/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,888
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,773
−HK$3,947/mo
Today · 4.125%
HK$132,720
baseline
▲ 0.50% · 4.625%
HK$140,795
+HK$8,075/mo
Deposit HK$18.26M · loan HK$27.38M · min. income ≈ HK$265,440/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,937
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,663
−HK$3,780/mo
Today · 4.125%
HK$146,443
baseline
▲ 0.50% · 4.625%
HK$154,162
+HK$7,719/mo
Deposit HK$18.26M · loan HK$27.38M · min. income ≈ HK$292,886/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,703
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$150,235
−HK$4,605/mo
Today · 4.125%
HK$154,840
baseline
▲ 0.50% · 4.625%
HK$164,261
+HK$9,421/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$309,680/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,093
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,440
−HK$4,410/mo
Today · 4.125%
HK$170,850
baseline
▲ 0.50% · 4.625%
HK$179,856
+HK$9,006/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$341,700/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,332
−HK$11,747/mo
▼ 0.25% · 3.875%
HK$193,159
−HK$5,920/mo
Today · 4.125%
HK$199,079
baseline
▲ 0.50% · 4.625%
HK$211,193
+HK$12,114/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$398,158/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,405
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$213,994
−HK$5,671/mo
Today · 4.125%
HK$219,665
baseline
▲ 0.50% · 4.625%
HK$231,243
+HK$11,578/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$439,330/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,746 · Scale 2, in force from 26 Feb 2026)