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$102,656
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$105,849
−HK$3,244/mo
Today · 4.125%
HK$109,093
baseline
▲ 0.50% · 4.625%
HK$115,731
+HK$6,638/mo
Deposit HK$22.51M · loan HK$22.51M · min. income ≈ HK$218,186/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,203
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,266
−HK$3,107/mo
Today · 4.125%
HK$120,373
baseline
▲ 0.50% · 4.625%
HK$126,718
+HK$6,345/mo
Deposit HK$22.51M · loan HK$22.51M · min. income ≈ HK$240,746/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,187
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,018
−HK$3,894/mo
Today · 4.125%
HK$130,912
baseline
▲ 0.50% · 4.625%
HK$138,877
+HK$7,965/mo
Deposit HK$18.01M · loan HK$27.01M · min. income ≈ HK$261,824/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,044
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,719
−HK$3,729/mo
Today · 4.125%
HK$144,448
baseline
▲ 0.50% · 4.625%
HK$152,062
+HK$7,614/mo
Deposit HK$18.01M · loan HK$27.01M · min. income ≈ HK$288,896/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,718
−HK$9,012/mo
▼ 0.25% · 3.875%
HK$148,188
−HK$4,542/mo
Today · 4.125%
HK$152,730
baseline
▲ 0.50% · 4.625%
HK$162,023
+HK$9,293/mo
Deposit HK$13.51M · loan HK$31.51M · min. income ≈ HK$305,460/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,885
−HK$8,638/mo
▼ 0.25% · 3.875%
HK$164,173
−HK$4,350/mo
Today · 4.125%
HK$168,523
baseline
▲ 0.50% · 4.625%
HK$177,406
+HK$8,883/mo
Deposit HK$13.51M · loan HK$31.51M · min. income ≈ HK$337,046/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,780
−HK$11,587/mo
▼ 0.25% · 3.875%
HK$190,528
−HK$5,839/mo
Today · 4.125%
HK$196,367
baseline
▲ 0.50% · 4.625%
HK$208,316
+HK$11,949/mo
Deposit HK$4.50M · loan HK$40.52M · min. income ≈ HK$392,734/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,566
−HK$11,106/mo
▼ 0.25% · 3.875%
HK$211,079
−HK$5,593/mo
Today · 4.125%
HK$216,672
baseline
▲ 0.50% · 4.625%
HK$228,093
+HK$11,421/mo
Deposit HK$4.50M · loan HK$40.52M · min. income ≈ HK$433,344/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,320 · Scale 2, in force from 26 Feb 2026)