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$103,089
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,296
−HK$3,258/mo
Today · 4.125%
HK$109,554
baseline
▲ 0.50% · 4.625%
HK$116,220
+HK$6,666/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,108/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,686
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,762
−HK$3,120/mo
Today · 4.125%
HK$120,882
baseline
▲ 0.50% · 4.625%
HK$127,254
+HK$6,372/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,764/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,707
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,555
−HK$3,910/mo
Today · 4.125%
HK$131,465
baseline
▲ 0.50% · 4.625%
HK$139,464
+HK$7,999/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$262,930/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,623
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,314
−HK$3,744/mo
Today · 4.125%
HK$145,058
baseline
▲ 0.50% · 4.625%
HK$152,704
+HK$7,646/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$290,116/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,325
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$148,814
−HK$4,561/mo
Today · 4.125%
HK$153,375
baseline
▲ 0.50% · 4.625%
HK$162,708
+HK$9,333/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,750/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,560
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,866
−HK$4,369/mo
Today · 4.125%
HK$169,235
baseline
▲ 0.50% · 4.625%
HK$178,155
+HK$8,920/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,470/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,561
−HK$11,636/mo
▼ 0.25% · 3.875%
HK$191,333
−HK$5,864/mo
Today · 4.125%
HK$197,197
baseline
▲ 0.50% · 4.625%
HK$209,196
+HK$11,999/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,394/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,434
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$211,971
−HK$5,616/mo
Today · 4.125%
HK$217,587
baseline
▲ 0.50% · 4.625%
HK$229,057
+HK$11,470/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,174/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,403 · Scale 2, in force from 26 Feb 2026)