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$102,976
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,179
−HK$3,254/mo
Today · 4.125%
HK$109,433
baseline
▲ 0.50% · 4.625%
HK$116,092
+HK$6,659/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$218,866/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,560
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,632
−HK$3,117/mo
Today · 4.125%
HK$120,749
baseline
▲ 0.50% · 4.625%
HK$127,114
+HK$6,365/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$241,498/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,571
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,415
−HK$3,905/mo
Today · 4.125%
HK$131,320
baseline
▲ 0.50% · 4.625%
HK$139,311
+HK$7,991/mo
Deposit HK$18.06M · loan HK$27.10M · min. income ≈ HK$262,640/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,472
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,159
−HK$3,740/mo
Today · 4.125%
HK$144,899
baseline
▲ 0.50% · 4.625%
HK$152,537
+HK$7,638/mo
Deposit HK$18.06M · loan HK$27.10M · min. income ≈ HK$289,798/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,166
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$148,651
−HK$4,556/mo
Today · 4.125%
HK$153,207
baseline
▲ 0.50% · 4.625%
HK$162,529
+HK$9,322/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$306,414/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,384
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,685
−HK$4,364/mo
Today · 4.125%
HK$169,049
baseline
▲ 0.50% · 4.625%
HK$177,959
+HK$8,910/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$338,098/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,357
−HK$11,623/mo
▼ 0.25% · 3.875%
HK$191,122
−HK$5,858/mo
Today · 4.125%
HK$196,980
baseline
▲ 0.50% · 4.625%
HK$208,966
+HK$11,986/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$393,960/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,207
−HK$11,141/mo
▼ 0.25% · 3.875%
HK$211,738
−HK$5,610/mo
Today · 4.125%
HK$217,348
baseline
▲ 0.50% · 4.625%
HK$228,805
+HK$11,457/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$434,696/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,292 · Scale 2, in force from 26 Feb 2026)