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$104,219
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,460
−HK$3,294/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$117,493
+HK$6,739/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,942
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,052
−HK$3,154/mo
Today · 4.125%
HK$122,206
baseline
▲ 0.50% · 4.625%
HK$128,648
+HK$6,442/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$244,412/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,062
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,952
−HK$3,953/mo
Today · 4.125%
HK$132,905
baseline
▲ 0.50% · 4.625%
HK$140,992
+HK$8,087/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$265,810/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,130
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,862
−HK$3,785/mo
Today · 4.125%
HK$146,647
baseline
▲ 0.50% · 4.625%
HK$154,377
+HK$7,730/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$293,294/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,906
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$150,444
−HK$4,612/mo
Today · 4.125%
HK$155,056
baseline
▲ 0.50% · 4.625%
HK$164,490
+HK$9,434/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$310,112/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,319
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,672
−HK$4,416/mo
Today · 4.125%
HK$171,088
baseline
▲ 0.50% · 4.625%
HK$180,107
+HK$9,019/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$342,176/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,593
−HK$11,764/mo
▼ 0.25% · 3.875%
HK$193,429
−HK$5,928/mo
Today · 4.125%
HK$199,357
baseline
▲ 0.50% · 4.625%
HK$211,487
+HK$12,130/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$398,714/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,696
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,293
−HK$5,678/mo
Today · 4.125%
HK$219,971
baseline
▲ 0.50% · 4.625%
HK$231,566
+HK$11,595/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$439,942/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,452 · Scale 2, in force from 26 Feb 2026)