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$104,364
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,610
−HK$3,298/mo
Today · 4.125%
HK$110,908
baseline
▲ 0.50% · 4.625%
HK$117,657
+HK$6,749/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$221,816/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,104
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,218
−HK$3,158/mo
Today · 4.125%
HK$122,376
baseline
▲ 0.50% · 4.625%
HK$128,827
+HK$6,451/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$244,752/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,237
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,132
−HK$3,958/mo
Today · 4.125%
HK$133,090
baseline
▲ 0.50% · 4.625%
HK$141,188
+HK$8,098/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$266,180/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,325
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,061
−HK$3,791/mo
Today · 4.125%
HK$146,852
baseline
▲ 0.50% · 4.625%
HK$154,593
+HK$7,741/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$293,704/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,109
−HK$9,163/mo
▼ 0.25% · 3.875%
HK$150,654
−HK$4,618/mo
Today · 4.125%
HK$155,272
baseline
▲ 0.50% · 4.625%
HK$164,720
+HK$9,448/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$310,544/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,545
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$166,905
−HK$4,422/mo
Today · 4.125%
HK$171,327
baseline
▲ 0.50% · 4.625%
HK$180,358
+HK$9,031/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$342,654/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,855
−HK$11,780/mo
▼ 0.25% · 3.875%
HK$193,698
−HK$5,937/mo
Today · 4.125%
HK$199,635
baseline
▲ 0.50% · 4.625%
HK$211,782
+HK$12,147/mo
Deposit HK$4.58M · loan HK$41.19M · min. income ≈ HK$399,270/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,987
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$214,592
−HK$5,686/mo
Today · 4.125%
HK$220,278
baseline
▲ 0.50% · 4.625%
HK$231,889
+HK$11,611/mo
Deposit HK$4.58M · loan HK$41.19M · min. income ≈ HK$440,556/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,161 · Scale 2, in force from 26 Feb 2026)