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$103,630
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,854
−HK$3,275/mo
Today · 4.125%
HK$110,129
baseline
▲ 0.50% · 4.625%
HK$116,830
+HK$6,701/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$220,258/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,288
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,380
−HK$3,136/mo
Today · 4.125%
HK$121,516
baseline
▲ 0.50% · 4.625%
HK$127,922
+HK$6,406/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$243,032/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,356
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,225
−HK$3,930/mo
Today · 4.125%
HK$132,155
baseline
▲ 0.50% · 4.625%
HK$140,196
+HK$8,041/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$264,310/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,345
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,056
−HK$3,764/mo
Today · 4.125%
HK$145,820
baseline
▲ 0.50% · 4.625%
HK$153,506
+HK$7,686/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$291,640/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,082
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$149,595
−HK$4,585/mo
Today · 4.125%
HK$154,180
baseline
▲ 0.50% · 4.625%
HK$163,562
+HK$9,382/mo
Deposit HK$13.63M · loan HK$31.81M · min. income ≈ HK$308,360/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,403
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,731
−HK$4,392/mo
Today · 4.125%
HK$170,123
baseline
▲ 0.50% · 4.625%
HK$179,090
+HK$8,967/mo
Deposit HK$13.63M · loan HK$31.81M · min. income ≈ HK$340,246/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,535
−HK$11,697/mo
▼ 0.25% · 3.875%
HK$192,337
−HK$5,895/mo
Today · 4.125%
HK$198,232
baseline
▲ 0.50% · 4.625%
HK$210,294
+HK$12,062/mo
Deposit HK$4.54M · loan HK$40.90M · min. income ≈ HK$396,464/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,518
−HK$11,211/mo
▼ 0.25% · 3.875%
HK$213,083
−HK$5,646/mo
Today · 4.125%
HK$218,729
baseline
▲ 0.50% · 4.625%
HK$230,259
+HK$11,530/mo
Deposit HK$4.54M · loan HK$40.90M · min. income ≈ HK$437,458/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,489 · Scale 2, in force from 26 Feb 2026)