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$103,662
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,886
−HK$3,276/mo
Today · 4.125%
HK$110,162
baseline
▲ 0.50% · 4.625%
HK$116,866
+HK$6,704/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,324/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,323
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,416
−HK$3,137/mo
Today · 4.125%
HK$121,553
baseline
▲ 0.50% · 4.625%
HK$127,961
+HK$6,408/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,106/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,394
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,264
−HK$3,931/mo
Today · 4.125%
HK$132,195
baseline
▲ 0.50% · 4.625%
HK$140,239
+HK$8,044/mo
Deposit HK$18.18M · loan HK$27.28M · min. income ≈ HK$264,390/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,387
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,099
−HK$3,765/mo
Today · 4.125%
HK$145,864
baseline
▲ 0.50% · 4.625%
HK$153,553
+HK$7,689/mo
Deposit HK$18.18M · loan HK$27.28M · min. income ≈ HK$291,728/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,127
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,641
−HK$4,586/mo
Today · 4.125%
HK$154,227
baseline
▲ 0.50% · 4.625%
HK$163,612
+HK$9,385/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$308,454/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,452
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,782
−HK$4,393/mo
Today · 4.125%
HK$170,175
baseline
▲ 0.50% · 4.625%
HK$179,145
+HK$8,970/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$340,350/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,591
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$192,395
−HK$5,897/mo
Today · 4.125%
HK$198,292
baseline
▲ 0.50% · 4.625%
HK$210,358
+HK$12,066/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$396,584/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,581
−HK$11,215/mo
▼ 0.25% · 3.875%
HK$213,148
−HK$5,648/mo
Today · 4.125%
HK$218,796
baseline
▲ 0.50% · 4.625%
HK$230,329
+HK$11,533/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$437,592/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,077 · Scale 2, in force from 26 Feb 2026)