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$103,102
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,309
−HK$3,258/mo
Today · 4.125%
HK$109,567
baseline
▲ 0.50% · 4.625%
HK$116,234
+HK$6,667/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,134/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,699
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,776
−HK$3,120/mo
Today · 4.125%
HK$120,896
baseline
▲ 0.50% · 4.625%
HK$127,269
+HK$6,373/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,792/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,722
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,570
−HK$3,910/mo
Today · 4.125%
HK$131,480
baseline
▲ 0.50% · 4.625%
HK$139,481
+HK$8,001/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$262,960/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,639
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,331
−HK$3,744/mo
Today · 4.125%
HK$145,075
baseline
▲ 0.50% · 4.625%
HK$152,723
+HK$7,648/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$290,150/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,342
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,832
−HK$4,562/mo
Today · 4.125%
HK$153,394
baseline
▲ 0.50% · 4.625%
HK$162,727
+HK$9,333/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,788/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,579
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,886
−HK$4,369/mo
Today · 4.125%
HK$169,255
baseline
▲ 0.50% · 4.625%
HK$178,176
+HK$8,921/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,510/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,583
−HK$11,637/mo
▼ 0.25% · 3.875%
HK$191,355
−HK$5,865/mo
Today · 4.125%
HK$197,220
baseline
▲ 0.50% · 4.625%
HK$209,221
+HK$12,001/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,440/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,459
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$211,996
−HK$5,617/mo
Today · 4.125%
HK$217,613
baseline
▲ 0.50% · 4.625%
HK$229,084
+HK$11,471/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,226/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,633 · Scale 2, in force from 26 Feb 2026)