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$103,012
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,216
−HK$3,255/mo
Today · 4.125%
HK$109,471
baseline
▲ 0.50% · 4.625%
HK$116,132
+HK$6,661/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$218,942/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,599
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,673
−HK$3,118/mo
Today · 4.125%
HK$120,791
baseline
▲ 0.50% · 4.625%
HK$127,158
+HK$6,367/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$241,582/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,614
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,459
−HK$3,907/mo
Today · 4.125%
HK$131,366
baseline
▲ 0.50% · 4.625%
HK$139,359
+HK$7,993/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$262,732/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,519
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,207
−HK$3,742/mo
Today · 4.125%
HK$144,949
baseline
▲ 0.50% · 4.625%
HK$152,589
+HK$7,640/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$289,898/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,216
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$148,702
−HK$4,558/mo
Today · 4.125%
HK$153,260
baseline
▲ 0.50% · 4.625%
HK$162,585
+HK$9,325/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$306,520/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,439
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,742
−HK$4,365/mo
Today · 4.125%
HK$169,107
baseline
▲ 0.50% · 4.625%
HK$178,021
+HK$8,914/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$338,214/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,421
−HK$11,627/mo
▼ 0.25% · 3.875%
HK$191,189
−HK$5,859/mo
Today · 4.125%
HK$197,048
baseline
▲ 0.50% · 4.625%
HK$209,038
+HK$11,990/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$394,096/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,279
−HK$11,144/mo
▼ 0.25% · 3.875%
HK$211,811
−HK$5,612/mo
Today · 4.125%
HK$217,423
baseline
▲ 0.50% · 4.625%
HK$228,884
+HK$11,461/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$434,846/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,957 · Scale 2, in force from 26 Feb 2026)