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$103,986
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,220
−HK$3,286/mo
Today · 4.125%
HK$110,506
baseline
▲ 0.50% · 4.625%
HK$117,230
+HK$6,724/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$221,012/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,683
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,785
−HK$3,148/mo
Today · 4.125%
HK$121,933
baseline
▲ 0.50% · 4.625%
HK$128,360
+HK$6,427/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,866/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,783
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,664
−HK$3,944/mo
Today · 4.125%
HK$132,608
baseline
▲ 0.50% · 4.625%
HK$140,677
+HK$8,069/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,216/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,819
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,543
−HK$3,776/mo
Today · 4.125%
HK$146,319
baseline
▲ 0.50% · 4.625%
HK$154,032
+HK$7,713/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,638/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,580
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$150,108
−HK$4,601/mo
Today · 4.125%
HK$154,709
baseline
▲ 0.50% · 4.625%
HK$164,123
+HK$9,414/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,418/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,956
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,300
−HK$4,406/mo
Today · 4.125%
HK$170,706
baseline
▲ 0.50% · 4.625%
HK$179,704
+HK$8,998/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,412/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,174
−HK$11,737/mo
▼ 0.25% · 3.875%
HK$192,996
−HK$5,915/mo
Today · 4.125%
HK$198,911
baseline
▲ 0.50% · 4.625%
HK$211,015
+HK$12,104/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,822/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,229
−HK$11,250/mo
▼ 0.25% · 3.875%
HK$213,814
−HK$5,665/mo
Today · 4.125%
HK$219,479
baseline
▲ 0.50% · 4.625%
HK$231,048
+HK$11,569/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,958/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,110 · Scale 2, in force from 26 Feb 2026)