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$103,233
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,444
−HK$3,262/mo
Today · 4.125%
HK$109,706
baseline
▲ 0.50% · 4.625%
HK$116,382
+HK$6,676/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$219,412/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,846
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,926
−HK$3,124/mo
Today · 4.125%
HK$121,050
baseline
▲ 0.50% · 4.625%
HK$127,431
+HK$6,381/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$242,100/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,879
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$127,733
−HK$3,915/mo
Today · 4.125%
HK$131,648
baseline
▲ 0.50% · 4.625%
HK$139,658
+HK$8,010/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$263,296/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,815
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,511
−HK$3,749/mo
Today · 4.125%
HK$145,260
baseline
▲ 0.50% · 4.625%
HK$152,917
+HK$7,657/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$290,520/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,526
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$149,022
−HK$4,567/mo
Today · 4.125%
HK$153,589
baseline
▲ 0.50% · 4.625%
HK$162,935
+HK$9,346/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$307,178/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,784
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,096
−HK$4,374/mo
Today · 4.125%
HK$169,470
baseline
▲ 0.50% · 4.625%
HK$178,403
+HK$8,933/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$338,940/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,819
−HK$11,653/mo
▼ 0.25% · 3.875%
HK$191,599
−HK$5,873/mo
Today · 4.125%
HK$197,472
baseline
▲ 0.50% · 4.625%
HK$209,487
+HK$12,015/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$394,944/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,722
−HK$11,169/mo
▼ 0.25% · 3.875%
HK$212,266
−HK$5,625/mo
Today · 4.125%
HK$217,891
baseline
▲ 0.50% · 4.625%
HK$229,376
+HK$11,485/mo
Deposit HK$4.53M · loan HK$40.75M · min. income ≈ HK$435,782/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,081 · Scale 2, in force from 26 Feb 2026)