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$103,186
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,395
−HK$3,261/mo
Today · 4.125%
HK$109,656
baseline
▲ 0.50% · 4.625%
HK$116,329
+HK$6,673/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,312/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,793
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,872
−HK$3,123/mo
Today · 4.125%
HK$120,995
baseline
▲ 0.50% · 4.625%
HK$127,373
+HK$6,378/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$241,990/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,823
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,674
−HK$3,914/mo
Today · 4.125%
HK$131,588
baseline
▲ 0.50% · 4.625%
HK$139,594
+HK$8,006/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,176/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,752
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,446
−HK$3,748/mo
Today · 4.125%
HK$145,194
baseline
▲ 0.50% · 4.625%
HK$152,847
+HK$7,653/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,388/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,460
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,953
−HK$4,566/mo
Today · 4.125%
HK$153,519
baseline
▲ 0.50% · 4.625%
HK$162,860
+HK$9,341/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,038/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,710
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$165,020
−HK$4,373/mo
Today · 4.125%
HK$169,393
baseline
▲ 0.50% · 4.625%
HK$178,322
+HK$8,929/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,786/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,734
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$191,512
−HK$5,869/mo
Today · 4.125%
HK$197,381
baseline
▲ 0.50% · 4.625%
HK$209,392
+HK$12,011/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$394,762/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,627
−HK$11,164/mo
▼ 0.25% · 3.875%
HK$212,169
−HK$5,622/mo
Today · 4.125%
HK$217,791
baseline
▲ 0.50% · 4.625%
HK$229,271
+HK$11,480/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$435,582/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,201 · Scale 2, in force from 26 Feb 2026)