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$104,068
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,305
−HK$3,289/mo
Today · 4.125%
HK$110,594
baseline
▲ 0.50% · 4.625%
HK$117,323
+HK$6,729/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$221,188/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,774
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,879
−HK$3,150/mo
Today · 4.125%
HK$122,029
baseline
▲ 0.50% · 4.625%
HK$128,461
+HK$6,432/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$244,058/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,881
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,766
−HK$3,946/mo
Today · 4.125%
HK$132,712
baseline
▲ 0.50% · 4.625%
HK$140,788
+HK$8,076/mo
Deposit HK$18.26M · loan HK$27.38M · min. income ≈ HK$265,424/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,929
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,655
−HK$3,780/mo
Today · 4.125%
HK$146,435
baseline
▲ 0.50% · 4.625%
HK$154,154
+HK$7,719/mo
Deposit HK$18.26M · loan HK$27.38M · min. income ≈ HK$292,870/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,695
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$150,227
−HK$4,604/mo
Today · 4.125%
HK$154,831
baseline
▲ 0.50% · 4.625%
HK$164,252
+HK$9,421/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$309,662/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,084
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,431
−HK$4,410/mo
Today · 4.125%
HK$170,841
baseline
▲ 0.50% · 4.625%
HK$179,846
+HK$9,005/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$341,682/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,322
−HK$11,746/mo
▼ 0.25% · 3.875%
HK$193,149
−HK$5,919/mo
Today · 4.125%
HK$199,068
baseline
▲ 0.50% · 4.625%
HK$211,181
+HK$12,113/mo
Deposit HK$4.56M · loan HK$41.07M · min. income ≈ HK$398,136/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,394
−HK$11,258/mo
▼ 0.25% · 3.875%
HK$213,983
−HK$5,669/mo
Today · 4.125%
HK$219,652
baseline
▲ 0.50% · 4.625%
HK$231,231
+HK$11,579/mo
Deposit HK$4.56M · loan HK$41.07M · min. income ≈ HK$439,304/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,640 · Scale 2, in force from 26 Feb 2026)