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$102,625
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,817
−HK$3,243/mo
Today · 4.125%
HK$109,060
baseline
▲ 0.50% · 4.625%
HK$115,696
+HK$6,636/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$218,120/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,169
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,231
−HK$3,106/mo
Today · 4.125%
HK$120,337
baseline
▲ 0.50% · 4.625%
HK$126,680
+HK$6,343/mo
Deposit HK$22.50M · loan HK$22.50M · min. income ≈ HK$240,674/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,149
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,980
−HK$3,892/mo
Today · 4.125%
HK$130,872
baseline
▲ 0.50% · 4.625%
HK$138,835
+HK$7,963/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$261,744/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,003
−HK$7,401/mo
▼ 0.25% · 3.875%
HK$140,677
−HK$3,727/mo
Today · 4.125%
HK$144,404
baseline
▲ 0.50% · 4.625%
HK$152,016
+HK$7,612/mo
Deposit HK$18.00M · loan HK$27.00M · min. income ≈ HK$288,808/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,674
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$148,143
−HK$4,541/mo
Today · 4.125%
HK$152,684
baseline
▲ 0.50% · 4.625%
HK$161,975
+HK$9,291/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$305,368/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,836
−HK$8,636/mo
▼ 0.25% · 3.875%
HK$164,123
−HK$4,349/mo
Today · 4.125%
HK$168,472
baseline
▲ 0.50% · 4.625%
HK$177,352
+HK$8,880/mo
Deposit HK$13.50M · loan HK$31.50M · min. income ≈ HK$336,944/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,724
−HK$11,584/mo
▼ 0.25% · 3.875%
HK$190,470
−HK$5,838/mo
Today · 4.125%
HK$196,308
baseline
▲ 0.50% · 4.625%
HK$208,253
+HK$11,945/mo
Deposit HK$4.50M · loan HK$40.51M · min. income ≈ HK$392,616/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,504
−HK$11,103/mo
▼ 0.25% · 3.875%
HK$211,015
−HK$5,592/mo
Today · 4.125%
HK$216,607
baseline
▲ 0.50% · 4.625%
HK$228,024
+HK$11,417/mo
Deposit HK$4.50M · loan HK$40.51M · min. income ≈ HK$433,214/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$1,912,743 · Scale 2, in force from 26 Feb 2026)