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$103,389
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,605
−HK$3,267/mo
Today · 4.125%
HK$109,872
baseline
▲ 0.50% · 4.625%
HK$116,557
+HK$6,685/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$219,744/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,019
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,104
−HK$3,129/mo
Today · 4.125%
HK$121,233
baseline
▲ 0.50% · 4.625%
HK$127,623
+HK$6,390/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$242,466/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,066
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$127,926
−HK$3,920/mo
Today · 4.125%
HK$131,846
baseline
▲ 0.50% · 4.625%
HK$139,869
+HK$8,023/mo
Deposit HK$18.14M · loan HK$27.20M · min. income ≈ HK$263,692/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,023
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,724
−HK$3,756/mo
Today · 4.125%
HK$145,480
baseline
▲ 0.50% · 4.625%
HK$153,148
+HK$7,668/mo
Deposit HK$18.14M · loan HK$27.20M · min. income ≈ HK$290,960/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,744
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,246
−HK$4,575/mo
Today · 4.125%
HK$153,821
baseline
▲ 0.50% · 4.625%
HK$163,180
+HK$9,359/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$307,642/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,026
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,345
−HK$4,381/mo
Today · 4.125%
HK$169,726
baseline
▲ 0.50% · 4.625%
HK$178,673
+HK$8,947/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$339,452/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,100
−HK$11,670/mo
▼ 0.25% · 3.875%
HK$191,888
−HK$5,882/mo
Today · 4.125%
HK$197,770
baseline
▲ 0.50% · 4.625%
HK$209,803
+HK$12,033/mo
Deposit HK$4.53M · loan HK$40.81M · min. income ≈ HK$395,540/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,034
−HK$11,185/mo
▼ 0.25% · 3.875%
HK$212,586
−HK$5,633/mo
Today · 4.125%
HK$218,219
baseline
▲ 0.50% · 4.625%
HK$229,722
+HK$11,503/mo
Deposit HK$4.53M · loan HK$40.81M · min. income ≈ HK$436,438/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,985 · Scale 2, in force from 26 Feb 2026)