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$103,981
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,215
−HK$3,286/mo
Today · 4.125%
HK$110,501
baseline
▲ 0.50% · 4.625%
HK$117,225
+HK$6,724/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$221,002/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,677
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,780
−HK$3,147/mo
Today · 4.125%
HK$121,927
baseline
▲ 0.50% · 4.625%
HK$128,354
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,854/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,777
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,658
−HK$3,943/mo
Today · 4.125%
HK$132,601
baseline
▲ 0.50% · 4.625%
HK$140,670
+HK$8,069/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,202/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,813
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,536
−HK$3,776/mo
Today · 4.125%
HK$146,312
baseline
▲ 0.50% · 4.625%
HK$154,025
+HK$7,713/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,624/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,573
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$150,101
−HK$4,600/mo
Today · 4.125%
HK$154,701
baseline
▲ 0.50% · 4.625%
HK$164,115
+HK$9,414/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,402/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,948
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,292
−HK$4,406/mo
Today · 4.125%
HK$170,698
baseline
▲ 0.50% · 4.625%
HK$179,696
+HK$8,998/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,396/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,165
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$192,987
−HK$5,915/mo
Today · 4.125%
HK$198,902
baseline
▲ 0.50% · 4.625%
HK$211,005
+HK$12,103/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,804/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,219
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$213,803
−HK$5,666/mo
Today · 4.125%
HK$219,469
baseline
▲ 0.50% · 4.625%
HK$231,037
+HK$11,568/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,938/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,016 · Scale 2, in force from 26 Feb 2026)