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$104,401
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,648
−HK$3,300/mo
Today · 4.125%
HK$110,948
baseline
▲ 0.50% · 4.625%
HK$117,698
+HK$6,750/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$221,896/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,145
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,260
−HK$3,160/mo
Today · 4.125%
HK$122,420
baseline
▲ 0.50% · 4.625%
HK$128,873
+HK$6,453/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$244,840/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,281
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$129,178
−HK$3,959/mo
Today · 4.125%
HK$133,137
baseline
▲ 0.50% · 4.625%
HK$141,238
+HK$8,101/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$266,274/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,374
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,112
−HK$3,792/mo
Today · 4.125%
HK$146,904
baseline
▲ 0.50% · 4.625%
HK$154,647
+HK$7,743/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$293,808/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,161
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,707
−HK$4,620/mo
Today · 4.125%
HK$155,327
baseline
▲ 0.50% · 4.625%
HK$164,778
+HK$9,451/mo
Deposit HK$13.74M · loan HK$32.05M · min. income ≈ HK$310,654/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,603
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$166,964
−HK$4,424/mo
Today · 4.125%
HK$171,388
baseline
▲ 0.50% · 4.625%
HK$180,422
+HK$9,034/mo
Deposit HK$13.74M · loan HK$32.05M · min. income ≈ HK$342,776/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,921
−HK$11,785/mo
▼ 0.25% · 3.875%
HK$193,767
−HK$5,939/mo
Today · 4.125%
HK$199,706
baseline
▲ 0.50% · 4.625%
HK$211,857
+HK$12,151/mo
Deposit HK$4.58M · loan HK$41.21M · min. income ≈ HK$399,412/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,061
−HK$11,294/mo
▼ 0.25% · 3.875%
HK$214,667
−HK$5,688/mo
Today · 4.125%
HK$220,355
baseline
▲ 0.50% · 4.625%
HK$231,971
+HK$11,616/mo
Deposit HK$4.58M · loan HK$41.21M · min. income ≈ HK$440,710/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,847 · Scale 2, in force from 26 Feb 2026)