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$102,847
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,047
−HK$3,250/mo
Today · 4.125%
HK$109,297
baseline
▲ 0.50% · 4.625%
HK$115,947
+HK$6,650/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$218,594/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,417
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$117,485
−HK$3,113/mo
Today · 4.125%
HK$120,598
baseline
▲ 0.50% · 4.625%
HK$126,955
+HK$6,357/mo
Deposit HK$22.55M · loan HK$22.55M · min. income ≈ HK$241,196/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,417
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,256
−HK$3,900/mo
Today · 4.125%
HK$131,156
baseline
▲ 0.50% · 4.625%
HK$139,137
+HK$7,981/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$262,312/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,300
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,982
−HK$3,736/mo
Today · 4.125%
HK$144,718
baseline
▲ 0.50% · 4.625%
HK$152,346
+HK$7,628/mo
Deposit HK$18.04M · loan HK$27.06M · min. income ≈ HK$289,436/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,986
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$148,465
−HK$4,551/mo
Today · 4.125%
HK$153,016
baseline
▲ 0.50% · 4.625%
HK$162,326
+HK$9,310/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$306,032/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,184
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,480
−HK$4,358/mo
Today · 4.125%
HK$168,838
baseline
▲ 0.50% · 4.625%
HK$177,737
+HK$8,899/mo
Deposit HK$13.53M · loan HK$31.57M · min. income ≈ HK$337,676/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,125
−HK$11,609/mo
▼ 0.25% · 3.875%
HK$190,884
−HK$5,850/mo
Today · 4.125%
HK$196,734
baseline
▲ 0.50% · 4.625%
HK$208,705
+HK$11,971/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$393,468/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,950
−HK$11,127/mo
▼ 0.25% · 3.875%
HK$211,474
−HK$5,603/mo
Today · 4.125%
HK$217,077
baseline
▲ 0.50% · 4.625%
HK$228,520
+HK$11,443/mo
Deposit HK$4.51M · loan HK$40.59M · min. income ≈ HK$434,154/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,916,898 · Scale 2, in force from 26 Feb 2026)