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$104,159
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,398
−HK$3,292/mo
Today · 4.125%
HK$110,690
baseline
▲ 0.50% · 4.625%
HK$117,425
+HK$6,735/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$221,380/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,875
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,983
−HK$3,153/mo
Today · 4.125%
HK$122,136
baseline
▲ 0.50% · 4.625%
HK$128,574
+HK$6,438/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$244,272/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,990
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,878
−HK$3,950/mo
Today · 4.125%
HK$132,828
baseline
▲ 0.50% · 4.625%
HK$140,911
+HK$8,083/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$265,656/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,050
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,780
−HK$3,783/mo
Today · 4.125%
HK$146,563
baseline
▲ 0.50% · 4.625%
HK$154,288
+HK$7,725/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$293,126/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,822
−HK$9,144/mo
▼ 0.25% · 3.875%
HK$150,358
−HK$4,608/mo
Today · 4.125%
HK$154,966
baseline
▲ 0.50% · 4.625%
HK$164,396
+HK$9,430/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,932/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,225
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$166,576
−HK$4,414/mo
Today · 4.125%
HK$170,990
baseline
▲ 0.50% · 4.625%
HK$180,003
+HK$9,013/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,980/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,485
−HK$11,757/mo
▼ 0.25% · 3.875%
HK$193,317
−HK$5,925/mo
Today · 4.125%
HK$199,242
baseline
▲ 0.50% · 4.625%
HK$211,366
+HK$12,124/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$398,484/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,576
−HK$11,268/mo
▼ 0.25% · 3.875%
HK$214,169
−HK$5,675/mo
Today · 4.125%
HK$219,844
baseline
▲ 0.50% · 4.625%
HK$231,433
+HK$11,589/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$439,688/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,334 · Scale 2, in force from 26 Feb 2026)