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$103,210
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,421
−HK$3,261/mo
Today · 4.125%
HK$109,682
baseline
▲ 0.50% · 4.625%
HK$116,356
+HK$6,674/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,364/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,820
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,900
−HK$3,124/mo
Today · 4.125%
HK$121,024
baseline
▲ 0.50% · 4.625%
HK$127,403
+HK$6,379/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,048/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,852
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,705
−HK$3,914/mo
Today · 4.125%
HK$131,619
baseline
▲ 0.50% · 4.625%
HK$139,628
+HK$8,009/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$263,238/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,785
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,480
−HK$3,749/mo
Today · 4.125%
HK$145,229
baseline
▲ 0.50% · 4.625%
HK$152,884
+HK$7,655/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$290,458/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,494
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,989
−HK$4,566/mo
Today · 4.125%
HK$153,555
baseline
▲ 0.50% · 4.625%
HK$162,899
+HK$9,344/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,110/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,749
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,060
−HK$4,373/mo
Today · 4.125%
HK$169,433
baseline
▲ 0.50% · 4.625%
HK$178,364
+HK$8,931/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,866/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,779
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$191,557
−HK$5,871/mo
Today · 4.125%
HK$197,428
baseline
▲ 0.50% · 4.625%
HK$209,442
+HK$12,014/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$394,856/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,677
−HK$11,166/mo
▼ 0.25% · 3.875%
HK$212,220
−HK$5,623/mo
Today · 4.125%
HK$217,843
baseline
▲ 0.50% · 4.625%
HK$229,326
+HK$11,483/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$435,686/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,660 · Scale 2, in force from 26 Feb 2026)