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$103,583
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,805
−HK$3,273/mo
Today · 4.125%
HK$110,078
baseline
▲ 0.50% · 4.625%
HK$116,776
+HK$6,698/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$220,156/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,235
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,325
−HK$3,136/mo
Today · 4.125%
HK$121,461
baseline
▲ 0.50% · 4.625%
HK$127,863
+HK$6,402/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$242,922/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,299
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,166
−HK$3,928/mo
Today · 4.125%
HK$132,094
baseline
▲ 0.50% · 4.625%
HK$140,132
+HK$8,038/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$264,188/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,282
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,990
−HK$3,763/mo
Today · 4.125%
HK$145,753
baseline
▲ 0.50% · 4.625%
HK$153,436
+HK$7,683/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$291,506/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,016
−HK$9,094/mo
▼ 0.25% · 3.875%
HK$149,527
−HK$4,583/mo
Today · 4.125%
HK$154,110
baseline
▲ 0.50% · 4.625%
HK$163,487
+HK$9,377/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,220/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,329
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$165,656
−HK$4,389/mo
Today · 4.125%
HK$170,045
baseline
▲ 0.50% · 4.625%
HK$179,008
+HK$8,963/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,090/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,449
−HK$11,692/mo
▼ 0.25% · 3.875%
HK$192,249
−HK$5,892/mo
Today · 4.125%
HK$198,141
baseline
▲ 0.50% · 4.625%
HK$210,197
+HK$12,056/mo
Deposit HK$4.54M · loan HK$40.88M · min. income ≈ HK$396,282/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,423
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$212,986
−HK$5,643/mo
Today · 4.125%
HK$218,629
baseline
▲ 0.50% · 4.625%
HK$230,153
+HK$11,524/mo
Deposit HK$4.54M · loan HK$40.88M · min. income ≈ HK$437,258/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,603 · Scale 2, in force from 26 Feb 2026)