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$103,784
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,012
−HK$3,280/mo
Today · 4.125%
HK$110,292
baseline
▲ 0.50% · 4.625%
HK$117,003
+HK$6,711/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,584/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,459
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,555
−HK$3,142/mo
Today · 4.125%
HK$121,697
baseline
▲ 0.50% · 4.625%
HK$128,112
+HK$6,415/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,394/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,541
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,415
−HK$3,936/mo
Today · 4.125%
HK$132,351
baseline
▲ 0.50% · 4.625%
HK$140,404
+HK$8,053/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$264,702/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,551
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$142,267
−HK$3,769/mo
Today · 4.125%
HK$146,036
baseline
▲ 0.50% · 4.625%
HK$153,734
+HK$7,698/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$292,072/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,298
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,817
−HK$4,592/mo
Today · 4.125%
HK$154,409
baseline
▲ 0.50% · 4.625%
HK$163,805
+HK$9,396/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$308,818/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,642
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,978
−HK$4,397/mo
Today · 4.125%
HK$170,375
baseline
▲ 0.50% · 4.625%
HK$179,356
+HK$8,981/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$340,750/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,812
−HK$11,714/mo
▼ 0.25% · 3.875%
HK$192,622
−HK$5,904/mo
Today · 4.125%
HK$198,526
baseline
▲ 0.50% · 4.625%
HK$210,606
+HK$12,080/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$397,052/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,826
−HK$11,228/mo
▼ 0.25% · 3.875%
HK$213,400
−HK$5,654/mo
Today · 4.125%
HK$219,054
baseline
▲ 0.50% · 4.625%
HK$230,601
+HK$11,547/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$438,108/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,357 · Scale 2, in force from 26 Feb 2026)