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$103,062
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,268
−HK$3,257/mo
Today · 4.125%
HK$109,525
baseline
▲ 0.50% · 4.625%
HK$116,189
+HK$6,664/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,050/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,656
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,731
−HK$3,119/mo
Today · 4.125%
HK$120,850
baseline
▲ 0.50% · 4.625%
HK$127,220
+HK$6,370/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,700/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,675
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,522
−HK$3,908/mo
Today · 4.125%
HK$131,430
baseline
▲ 0.50% · 4.625%
HK$139,427
+HK$7,997/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$262,860/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,587
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,277
−HK$3,743/mo
Today · 4.125%
HK$145,020
baseline
▲ 0.50% · 4.625%
HK$152,664
+HK$7,644/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$290,040/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,287
−HK$9,048/mo
▼ 0.25% · 3.875%
HK$148,775
−HK$4,560/mo
Today · 4.125%
HK$153,335
baseline
▲ 0.50% · 4.625%
HK$162,665
+HK$9,330/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$306,670/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,518
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$164,823
−HK$4,367/mo
Today · 4.125%
HK$169,190
baseline
▲ 0.50% · 4.625%
HK$178,108
+HK$8,918/mo
Deposit HK$13.56M · loan HK$31.64M · min. income ≈ HK$338,380/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,512
−HK$11,633/mo
▼ 0.25% · 3.875%
HK$191,282
−HK$5,863/mo
Today · 4.125%
HK$197,145
baseline
▲ 0.50% · 4.625%
HK$209,141
+HK$11,996/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$394,290/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,380
−HK$11,150/mo
▼ 0.25% · 3.875%
HK$211,915
−HK$5,615/mo
Today · 4.125%
HK$217,530
baseline
▲ 0.50% · 4.625%
HK$228,997
+HK$11,467/mo
Deposit HK$4.52M · loan HK$40.68M · min. income ≈ HK$435,060/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,899 · Scale 2, in force from 26 Feb 2026)