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$103,127
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,335
−HK$3,259/mo
Today · 4.125%
HK$109,594
baseline
▲ 0.50% · 4.625%
HK$116,262
+HK$6,668/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,188/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,727
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,804
−HK$3,122/mo
Today · 4.125%
HK$120,926
baseline
▲ 0.50% · 4.625%
HK$127,300
+HK$6,374/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,852/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,752
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,601
−HK$3,911/mo
Today · 4.125%
HK$131,512
baseline
▲ 0.50% · 4.625%
HK$139,515
+HK$8,003/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$263,024/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,673
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,365
−HK$3,746/mo
Today · 4.125%
HK$145,111
baseline
▲ 0.50% · 4.625%
HK$152,760
+HK$7,649/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$290,222/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,377
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$148,868
−HK$4,563/mo
Today · 4.125%
HK$153,431
baseline
▲ 0.50% · 4.625%
HK$162,767
+HK$9,336/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$306,862/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,618
−HK$8,678/mo
▼ 0.25% · 3.875%
HK$164,926
−HK$4,370/mo
Today · 4.125%
HK$169,296
baseline
▲ 0.50% · 4.625%
HK$178,220
+HK$8,924/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$338,592/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,628
−HK$11,641/mo
▼ 0.25% · 3.875%
HK$191,402
−HK$5,867/mo
Today · 4.125%
HK$197,269
baseline
▲ 0.50% · 4.625%
HK$209,272
+HK$12,003/mo
Deposit HK$4.52M · loan HK$40.70M · min. income ≈ HK$394,538/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,509
−HK$11,157/mo
▼ 0.25% · 3.875%
HK$212,048
−HK$5,618/mo
Today · 4.125%
HK$217,666
baseline
▲ 0.50% · 4.625%
HK$229,140
+HK$11,474/mo
Deposit HK$4.52M · loan HK$40.70M · min. income ≈ HK$435,332/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,922,102 · Scale 2, in force from 26 Feb 2026)