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$103,516
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,736
−HK$3,271/mo
Today · 4.125%
HK$110,007
baseline
▲ 0.50% · 4.625%
HK$116,701
+HK$6,694/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$220,014/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,160
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,249
−HK$3,133/mo
Today · 4.125%
HK$121,382
baseline
▲ 0.50% · 4.625%
HK$127,780
+HK$6,398/mo
Deposit HK$22.70M · loan HK$22.70M · min. income ≈ HK$242,764/mo (50% DSR)
Upfront cash ≈ HK$24.63M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,219
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,083
−HK$3,926/mo
Today · 4.125%
HK$132,009
baseline
▲ 0.50% · 4.625%
HK$140,041
+HK$8,032/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$264,018/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,192
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,899
−HK$3,759/mo
Today · 4.125%
HK$145,658
baseline
▲ 0.50% · 4.625%
HK$153,336
+HK$7,678/mo
Deposit HK$18.16M · loan HK$27.24M · min. income ≈ HK$291,316/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,922
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$149,430
−HK$4,580/mo
Today · 4.125%
HK$154,010
baseline
▲ 0.50% · 4.625%
HK$163,381
+HK$9,371/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$308,020/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,224
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$165,548
−HK$4,387/mo
Today · 4.125%
HK$169,935
baseline
▲ 0.50% · 4.625%
HK$178,892
+HK$8,957/mo
Deposit HK$13.62M · loan HK$31.78M · min. income ≈ HK$339,870/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,328
−HK$11,685/mo
▼ 0.25% · 3.875%
HK$192,124
−HK$5,889/mo
Today · 4.125%
HK$198,013
baseline
▲ 0.50% · 4.625%
HK$210,061
+HK$12,048/mo
Deposit HK$4.54M · loan HK$40.86M · min. income ≈ HK$396,026/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,288
−HK$11,200/mo
▼ 0.25% · 3.875%
HK$212,848
−HK$5,640/mo
Today · 4.125%
HK$218,488
baseline
▲ 0.50% · 4.625%
HK$230,004
+HK$11,516/mo
Deposit HK$4.54M · loan HK$40.86M · min. income ≈ HK$436,976/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,929,354 · Scale 2, in force from 26 Feb 2026)