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$104,462
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,712
−HK$3,301/mo
Today · 4.125%
HK$111,013
baseline
▲ 0.50% · 4.625%
HK$117,768
+HK$6,755/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$222,026/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,213
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,330
−HK$3,162/mo
Today · 4.125%
HK$122,492
baseline
▲ 0.50% · 4.625%
HK$128,949
+HK$6,457/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$244,984/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,355
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,254
−HK$3,961/mo
Today · 4.125%
HK$133,215
baseline
▲ 0.50% · 4.625%
HK$141,321
+HK$8,106/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$266,430/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,456
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,196
−HK$3,794/mo
Today · 4.125%
HK$146,990
baseline
▲ 0.50% · 4.625%
HK$154,738
+HK$7,748/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$293,980/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,247
−HK$9,171/mo
▼ 0.25% · 3.875%
HK$150,796
−HK$4,622/mo
Today · 4.125%
HK$155,418
baseline
▲ 0.50% · 4.625%
HK$164,875
+HK$9,457/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$310,836/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,698
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,062
−HK$4,427/mo
Today · 4.125%
HK$171,489
baseline
▲ 0.50% · 4.625%
HK$180,528
+HK$9,039/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$342,978/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,032
−HK$11,791/mo
▼ 0.25% · 3.875%
HK$193,881
−HK$5,942/mo
Today · 4.125%
HK$199,823
baseline
▲ 0.50% · 4.625%
HK$211,982
+HK$12,159/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$399,646/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,184
−HK$11,301/mo
▼ 0.25% · 3.875%
HK$214,794
−HK$5,691/mo
Today · 4.125%
HK$220,485
baseline
▲ 0.50% · 4.625%
HK$232,107
+HK$11,622/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$440,970/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,994 · Scale 2, in force from 26 Feb 2026)