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$103,476
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,694
−HK$3,271/mo
Today · 4.125%
HK$109,965
baseline
▲ 0.50% · 4.625%
HK$116,656
+HK$6,691/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$219,930/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,116
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,203
−HK$3,132/mo
Today · 4.125%
HK$121,335
baseline
▲ 0.50% · 4.625%
HK$127,731
+HK$6,396/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$242,670/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,171
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,033
−HK$3,925/mo
Today · 4.125%
HK$131,958
baseline
▲ 0.50% · 4.625%
HK$139,987
+HK$8,029/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$263,916/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,139
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,844
−HK$3,758/mo
Today · 4.125%
HK$145,602
baseline
▲ 0.50% · 4.625%
HK$153,277
+HK$7,675/mo
Deposit HK$18.15M · loan HK$27.23M · min. income ≈ HK$291,204/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,866
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$149,372
−HK$4,578/mo
Today · 4.125%
HK$153,950
baseline
▲ 0.50% · 4.625%
HK$163,318
+HK$9,368/mo
Deposit HK$13.61M · loan HK$31.77M · min. income ≈ HK$307,900/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,162
−HK$8,707/mo
▼ 0.25% · 3.875%
HK$165,484
−HK$4,385/mo
Today · 4.125%
HK$169,869
baseline
▲ 0.50% · 4.625%
HK$178,823
+HK$8,954/mo
Deposit HK$13.61M · loan HK$31.77M · min. income ≈ HK$339,738/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,256
−HK$11,680/mo
▼ 0.25% · 3.875%
HK$192,050
−HK$5,886/mo
Today · 4.125%
HK$197,936
baseline
▲ 0.50% · 4.625%
HK$209,980
+HK$12,044/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$395,872/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,208
−HK$11,195/mo
▼ 0.25% · 3.875%
HK$212,766
−HK$5,637/mo
Today · 4.125%
HK$218,403
baseline
▲ 0.50% · 4.625%
HK$229,915
+HK$11,512/mo
Deposit HK$4.54M · loan HK$40.84M · min. income ≈ HK$436,806/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,608 · Scale 2, in force from 26 Feb 2026)