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$104,456
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,705
−HK$3,301/mo
Today · 4.125%
HK$111,006
baseline
▲ 0.50% · 4.625%
HK$117,761
+HK$6,755/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$222,012/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,206
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,323
−HK$3,162/mo
Today · 4.125%
HK$122,485
baseline
▲ 0.50% · 4.625%
HK$128,941
+HK$6,456/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$244,970/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,347
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,246
−HK$3,962/mo
Today · 4.125%
HK$133,208
baseline
▲ 0.50% · 4.625%
HK$141,313
+HK$8,105/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$266,416/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,448
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,188
−HK$3,794/mo
Today · 4.125%
HK$146,982
baseline
▲ 0.50% · 4.625%
HK$154,729
+HK$7,747/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$293,964/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,239
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$150,787
−HK$4,622/mo
Today · 4.125%
HK$155,409
baseline
▲ 0.50% · 4.625%
HK$164,865
+HK$9,456/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$310,818/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,689
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$167,052
−HK$4,426/mo
Today · 4.125%
HK$171,478
baseline
▲ 0.50% · 4.625%
HK$180,517
+HK$9,039/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$342,956/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,021
−HK$11,791/mo
▼ 0.25% · 3.875%
HK$193,869
−HK$5,943/mo
Today · 4.125%
HK$199,812
baseline
▲ 0.50% · 4.625%
HK$211,970
+HK$12,158/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$399,624/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,171
−HK$11,301/mo
▼ 0.25% · 3.875%
HK$214,781
−HK$5,691/mo
Today · 4.125%
HK$220,472
baseline
▲ 0.50% · 4.625%
HK$232,094
+HK$11,622/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$440,944/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,879 · Scale 2, in force from 26 Feb 2026)