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$104,835
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,096
−HK$3,313/mo
Today · 4.125%
HK$111,409
baseline
▲ 0.50% · 4.625%
HK$118,188
+HK$6,779/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$222,818/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,628
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,756
−HK$3,173/mo
Today · 4.125%
HK$122,929
baseline
▲ 0.50% · 4.625%
HK$129,409
+HK$6,480/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$245,858/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,802
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,715
−HK$3,976/mo
Today · 4.125%
HK$133,691
baseline
▲ 0.50% · 4.625%
HK$141,826
+HK$8,135/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$267,382/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,953
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,707
−HK$3,808/mo
Today · 4.125%
HK$147,515
baseline
▲ 0.50% · 4.625%
HK$155,290
+HK$7,775/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$295,030/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,769
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$151,334
−HK$4,639/mo
Today · 4.125%
HK$155,973
baseline
▲ 0.50% · 4.625%
HK$165,463
+HK$9,490/mo
Deposit HK$13.79M · loan HK$32.18M · min. income ≈ HK$311,946/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,279
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$167,658
−HK$4,442/mo
Today · 4.125%
HK$172,100
baseline
▲ 0.50% · 4.625%
HK$181,172
+HK$9,072/mo
Deposit HK$13.79M · loan HK$32.18M · min. income ≈ HK$344,200/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,703
−HK$11,833/mo
▼ 0.25% · 3.875%
HK$194,573
−HK$5,963/mo
Today · 4.125%
HK$200,536
baseline
▲ 0.50% · 4.625%
HK$212,738
+HK$12,202/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$401,072/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,930
−HK$11,342/mo
▼ 0.25% · 3.875%
HK$215,560
−HK$5,712/mo
Today · 4.125%
HK$221,272
baseline
▲ 0.50% · 4.625%
HK$232,936
+HK$11,664/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$442,544/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,953,942 · Scale 2, in force from 26 Feb 2026)