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$103,460
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,678
−HK$3,270/mo
Today · 4.125%
HK$109,948
baseline
▲ 0.50% · 4.625%
HK$116,638
+HK$6,690/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$219,896/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,098
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,185
−HK$3,132/mo
Today · 4.125%
HK$121,317
baseline
▲ 0.50% · 4.625%
HK$127,711
+HK$6,394/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$242,634/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,152
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,014
−HK$3,923/mo
Today · 4.125%
HK$131,937
baseline
▲ 0.50% · 4.625%
HK$139,966
+HK$8,029/mo
Deposit HK$18.15M · loan HK$27.22M · min. income ≈ HK$263,874/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,118
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,822
−HK$3,758/mo
Today · 4.125%
HK$145,580
baseline
▲ 0.50% · 4.625%
HK$153,254
+HK$7,674/mo
Deposit HK$18.15M · loan HK$27.22M · min. income ≈ HK$291,160/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,844
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,349
−HK$4,578/mo
Today · 4.125%
HK$153,927
baseline
▲ 0.50% · 4.625%
HK$163,293
+HK$9,366/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$307,854/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,138
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$165,459
−HK$4,384/mo
Today · 4.125%
HK$169,843
baseline
▲ 0.50% · 4.625%
HK$178,796
+HK$8,953/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$339,686/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,228
−HK$11,678/mo
▼ 0.25% · 3.875%
HK$192,021
−HK$5,885/mo
Today · 4.125%
HK$197,906
baseline
▲ 0.50% · 4.625%
HK$209,948
+HK$12,042/mo
Deposit HK$4.54M · loan HK$40.83M · min. income ≈ HK$395,812/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,177
−HK$11,193/mo
▼ 0.25% · 3.875%
HK$212,733
−HK$5,637/mo
Today · 4.125%
HK$218,370
baseline
▲ 0.50% · 4.625%
HK$229,881
+HK$11,511/mo
Deposit HK$4.54M · loan HK$40.83M · min. income ≈ HK$436,740/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,315 · Scale 2, in force from 26 Feb 2026)