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$103,479
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,698
−HK$3,270/mo
Today · 4.125%
HK$109,968
baseline
▲ 0.50% · 4.625%
HK$116,659
+HK$6,691/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$219,936/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,119
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,207
−HK$3,132/mo
Today · 4.125%
HK$121,339
baseline
▲ 0.50% · 4.625%
HK$127,735
+HK$6,396/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$242,678/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,175
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,037
−HK$3,925/mo
Today · 4.125%
HK$131,962
baseline
▲ 0.50% · 4.625%
HK$139,991
+HK$8,029/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$263,924/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,143
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,848
−HK$3,759/mo
Today · 4.125%
HK$145,607
baseline
▲ 0.50% · 4.625%
HK$153,282
+HK$7,675/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$291,214/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,871
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$149,377
−HK$4,578/mo
Today · 4.125%
HK$153,955
baseline
▲ 0.50% · 4.625%
HK$163,323
+HK$9,368/mo
Deposit HK$13.61M · loan HK$31.77M · min. income ≈ HK$307,910/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,167
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$165,489
−HK$4,385/mo
Today · 4.125%
HK$169,874
baseline
▲ 0.50% · 4.625%
HK$178,829
+HK$8,955/mo
Deposit HK$13.61M · loan HK$31.77M · min. income ≈ HK$339,748/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,262
−HK$11,680/mo
▼ 0.25% · 3.875%
HK$192,056
−HK$5,886/mo
Today · 4.125%
HK$197,942
baseline
▲ 0.50% · 4.625%
HK$209,987
+HK$12,045/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$395,884/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,215
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$212,772
−HK$5,638/mo
Today · 4.125%
HK$218,410
baseline
▲ 0.50% · 4.625%
HK$229,923
+HK$11,513/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$436,820/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,668 · Scale 2, in force from 26 Feb 2026)