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$104,522
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,773
−HK$3,303/mo
Today · 4.125%
HK$111,076
baseline
▲ 0.50% · 4.625%
HK$117,835
+HK$6,759/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$222,152/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,280
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,398
−HK$3,164/mo
Today · 4.125%
HK$122,562
baseline
▲ 0.50% · 4.625%
HK$129,022
+HK$6,460/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$245,124/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,426
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,328
−HK$3,964/mo
Today · 4.125%
HK$133,292
baseline
▲ 0.50% · 4.625%
HK$141,402
+HK$8,110/mo
Deposit HK$18.34M · loan HK$27.50M · min. income ≈ HK$266,584/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,535
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,278
−HK$3,796/mo
Today · 4.125%
HK$147,074
baseline
▲ 0.50% · 4.625%
HK$154,827
+HK$7,753/mo
Deposit HK$18.34M · loan HK$27.50M · min. income ≈ HK$294,148/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,331
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$150,882
−HK$4,625/mo
Today · 4.125%
HK$155,507
baseline
▲ 0.50% · 4.625%
HK$164,969
+HK$9,462/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$311,014/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,791
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$167,157
−HK$4,429/mo
Today · 4.125%
HK$171,586
baseline
▲ 0.50% · 4.625%
HK$180,631
+HK$9,045/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$343,172/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,139
−HK$11,798/mo
▼ 0.25% · 3.875%
HK$193,992
−HK$5,945/mo
Today · 4.125%
HK$199,937
baseline
▲ 0.50% · 4.625%
HK$212,103
+HK$12,166/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$399,874/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,303
−HK$11,308/mo
▼ 0.25% · 3.875%
HK$214,917
−HK$5,694/mo
Today · 4.125%
HK$220,611
baseline
▲ 0.50% · 4.625%
HK$232,240
+HK$11,629/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$441,222/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,106 · Scale 2, in force from 26 Feb 2026)