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$104,629
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,883
−HK$3,307/mo
Today · 4.125%
HK$111,190
baseline
▲ 0.50% · 4.625%
HK$117,955
+HK$6,765/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$222,380/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,398
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,520
−HK$3,167/mo
Today · 4.125%
HK$122,687
baseline
▲ 0.50% · 4.625%
HK$129,154
+HK$6,467/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$245,374/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,554
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,460
−HK$3,968/mo
Today · 4.125%
HK$133,428
baseline
▲ 0.50% · 4.625%
HK$141,546
+HK$8,118/mo
Deposit HK$18.35M · loan HK$27.53M · min. income ≈ HK$266,856/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,678
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,424
−HK$3,800/mo
Today · 4.125%
HK$147,224
baseline
▲ 0.50% · 4.625%
HK$154,985
+HK$7,761/mo
Deposit HK$18.35M · loan HK$27.53M · min. income ≈ HK$294,448/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,480
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,036
−HK$4,630/mo
Today · 4.125%
HK$155,666
baseline
▲ 0.50% · 4.625%
HK$165,138
+HK$9,472/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$311,332/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,958
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,328
−HK$4,434/mo
Today · 4.125%
HK$171,762
baseline
▲ 0.50% · 4.625%
HK$180,816
+HK$9,054/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$343,524/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,332
−HK$11,810/mo
▼ 0.25% · 3.875%
HK$194,190
−HK$5,952/mo
Today · 4.125%
HK$200,142
baseline
▲ 0.50% · 4.625%
HK$212,320
+HK$12,178/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$400,284/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,517
−HK$11,320/mo
▼ 0.25% · 3.875%
HK$215,136
−HK$5,701/mo
Today · 4.125%
HK$220,837
baseline
▲ 0.50% · 4.625%
HK$232,477
+HK$11,640/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$441,674/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,096 · Scale 2, in force from 26 Feb 2026)