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$103,506
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,726
−HK$3,271/mo
Today · 4.125%
HK$109,997
baseline
▲ 0.50% · 4.625%
HK$116,690
+HK$6,693/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$219,994/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,149
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,238
−HK$3,133/mo
Today · 4.125%
HK$121,371
baseline
▲ 0.50% · 4.625%
HK$127,768
+HK$6,397/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,742/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,207
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,071
−HK$3,925/mo
Today · 4.125%
HK$131,996
baseline
▲ 0.50% · 4.625%
HK$140,028
+HK$8,032/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$263,992/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,179
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,885
−HK$3,760/mo
Today · 4.125%
HK$145,645
baseline
▲ 0.50% · 4.625%
HK$153,322
+HK$7,677/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$291,290/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,909
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,416
−HK$4,580/mo
Today · 4.125%
HK$153,996
baseline
▲ 0.50% · 4.625%
HK$163,366
+HK$9,370/mo
Deposit HK$13.62M · loan HK$31.77M · min. income ≈ HK$307,992/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,209
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,533
−HK$4,386/mo
Today · 4.125%
HK$169,919
baseline
▲ 0.50% · 4.625%
HK$178,876
+HK$8,957/mo
Deposit HK$13.62M · loan HK$31.77M · min. income ≈ HK$339,838/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,311
−HK$11,683/mo
▼ 0.25% · 3.875%
HK$192,106
−HK$5,888/mo
Today · 4.125%
HK$197,994
baseline
▲ 0.50% · 4.625%
HK$210,042
+HK$12,048/mo
Deposit HK$4.54M · loan HK$40.85M · min. income ≈ HK$395,988/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,269
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$212,828
−HK$5,639/mo
Today · 4.125%
HK$218,467
baseline
▲ 0.50% · 4.625%
HK$229,983
+HK$11,516/mo
Deposit HK$4.54M · loan HK$40.85M · min. income ≈ HK$436,934/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,173 · Scale 2, in force from 26 Feb 2026)