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$103,191
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,401
−HK$3,261/mo
Today · 4.125%
HK$109,662
baseline
▲ 0.50% · 4.625%
HK$116,335
+HK$6,673/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,324/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,799
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,878
−HK$3,123/mo
Today · 4.125%
HK$121,001
baseline
▲ 0.50% · 4.625%
HK$127,379
+HK$6,378/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,002/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,829
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$127,681
−HK$3,914/mo
Today · 4.125%
HK$131,595
baseline
▲ 0.50% · 4.625%
HK$139,602
+HK$8,007/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,190/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,759
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$141,453
−HK$3,749/mo
Today · 4.125%
HK$145,202
baseline
▲ 0.50% · 4.625%
HK$152,855
+HK$7,653/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,404/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,468
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,961
−HK$4,566/mo
Today · 4.125%
HK$153,527
baseline
▲ 0.50% · 4.625%
HK$162,869
+HK$9,342/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,054/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,719
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$165,029
−HK$4,373/mo
Today · 4.125%
HK$169,402
baseline
▲ 0.50% · 4.625%
HK$178,331
+HK$8,929/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,804/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,744
−HK$11,648/mo
▼ 0.25% · 3.875%
HK$191,522
−HK$5,870/mo
Today · 4.125%
HK$197,392
baseline
▲ 0.50% · 4.625%
HK$209,403
+HK$12,011/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$394,784/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,638
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$212,180
−HK$5,622/mo
Today · 4.125%
HK$217,802
baseline
▲ 0.50% · 4.625%
HK$229,283
+HK$11,481/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$435,604/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,302 · Scale 2, in force from 26 Feb 2026)