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$103,858
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,089
−HK$3,282/mo
Today · 4.125%
HK$110,371
baseline
▲ 0.50% · 4.625%
HK$117,087
+HK$6,716/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$220,742/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,541
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,640
−HK$3,144/mo
Today · 4.125%
HK$121,784
baseline
▲ 0.50% · 4.625%
HK$128,203
+HK$6,419/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$243,568/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,630
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,507
−HK$3,938/mo
Today · 4.125%
HK$132,445
baseline
▲ 0.50% · 4.625%
HK$140,504
+HK$8,059/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$264,890/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,650
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,368
−HK$3,772/mo
Today · 4.125%
HK$146,140
baseline
▲ 0.50% · 4.625%
HK$153,844
+HK$7,704/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$292,280/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,402
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,925
−HK$4,595/mo
Today · 4.125%
HK$154,520
baseline
▲ 0.50% · 4.625%
HK$163,922
+HK$9,402/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$309,040/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,758
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$166,096
−HK$4,401/mo
Today · 4.125%
HK$170,497
baseline
▲ 0.50% · 4.625%
HK$179,484
+HK$8,987/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$340,994/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,945
−HK$11,723/mo
▼ 0.25% · 3.875%
HK$192,760
−HK$5,908/mo
Today · 4.125%
HK$198,668
baseline
▲ 0.50% · 4.625%
HK$210,757
+HK$12,089/mo
Deposit HK$4.55M · loan HK$40.99M · min. income ≈ HK$397,336/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,974
−HK$11,237/mo
▼ 0.25% · 3.875%
HK$213,552
−HK$5,659/mo
Today · 4.125%
HK$219,211
baseline
▲ 0.50% · 4.625%
HK$230,766
+HK$11,555/mo
Deposit HK$4.55M · loan HK$40.99M · min. income ≈ HK$438,422/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,739 · Scale 2, in force from 26 Feb 2026)