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$103,032
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,237
−HK$3,256/mo
Today · 4.125%
HK$109,493
baseline
▲ 0.50% · 4.625%
HK$116,155
+HK$6,662/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$218,986/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,622
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,696
−HK$3,119/mo
Today · 4.125%
HK$120,815
baseline
▲ 0.50% · 4.625%
HK$127,183
+HK$6,368/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$241,630/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,638
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,484
−HK$3,908/mo
Today · 4.125%
HK$131,392
baseline
▲ 0.50% · 4.625%
HK$139,386
+HK$7,994/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$262,784/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,546
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,235
−HK$3,743/mo
Today · 4.125%
HK$144,978
baseline
▲ 0.50% · 4.625%
HK$152,620
+HK$7,642/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$289,956/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,245
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$148,732
−HK$4,558/mo
Today · 4.125%
HK$153,290
baseline
▲ 0.50% · 4.625%
HK$162,618
+HK$9,328/mo
Deposit HK$13.56M · loan HK$31.63M · min. income ≈ HK$306,580/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,471
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$164,775
−HK$4,366/mo
Today · 4.125%
HK$169,141
baseline
▲ 0.50% · 4.625%
HK$178,056
+HK$8,915/mo
Deposit HK$13.56M · loan HK$31.63M · min. income ≈ HK$338,282/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,458
−HK$11,629/mo
▼ 0.25% · 3.875%
HK$191,226
−HK$5,861/mo
Today · 4.125%
HK$197,087
baseline
▲ 0.50% · 4.625%
HK$209,080
+HK$11,993/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$394,174/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,320
−HK$11,147/mo
▼ 0.25% · 3.875%
HK$211,853
−HK$5,614/mo
Today · 4.125%
HK$217,467
baseline
▲ 0.50% · 4.625%
HK$228,929
+HK$11,462/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$434,934/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,337 · Scale 2, in force from 26 Feb 2026)