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$103,830
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,059
−HK$3,282/mo
Today · 4.125%
HK$110,341
baseline
▲ 0.50% · 4.625%
HK$117,055
+HK$6,714/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$220,682/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,510
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,608
−HK$3,142/mo
Today · 4.125%
HK$121,750
baseline
▲ 0.50% · 4.625%
HK$128,168
+HK$6,418/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$243,500/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,596
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,471
−HK$3,938/mo
Today · 4.125%
HK$132,409
baseline
▲ 0.50% · 4.625%
HK$140,466
+HK$8,057/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$264,818/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,612
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,329
−HK$3,771/mo
Today · 4.125%
HK$146,100
baseline
▲ 0.50% · 4.625%
HK$153,801
+HK$7,701/mo
Deposit HK$18.21M · loan HK$27.32M · min. income ≈ HK$292,200/mo (50% DSR)
Upfront cash ≈ HK$20.15M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,362
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$149,883
−HK$4,594/mo
Today · 4.125%
HK$154,477
baseline
▲ 0.50% · 4.625%
HK$163,877
+HK$9,400/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$308,954/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,713
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$166,051
−HK$4,399/mo
Today · 4.125%
HK$170,450
baseline
▲ 0.50% · 4.625%
HK$179,435
+HK$8,985/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$340,900/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,894
−HK$11,720/mo
▼ 0.25% · 3.875%
HK$192,707
−HK$5,907/mo
Today · 4.125%
HK$198,614
baseline
▲ 0.50% · 4.625%
HK$210,699
+HK$12,085/mo
Deposit HK$4.55M · loan HK$40.98M · min. income ≈ HK$397,228/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,917
−HK$11,233/mo
▼ 0.25% · 3.875%
HK$213,494
−HK$5,656/mo
Today · 4.125%
HK$219,150
baseline
▲ 0.50% · 4.625%
HK$230,702
+HK$11,552/mo
Deposit HK$4.55M · loan HK$40.98M · min. income ≈ HK$438,300/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,207 · Scale 2, in force from 26 Feb 2026)