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$103,097
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,304
−HK$3,259/mo
Today · 4.125%
HK$109,563
baseline
▲ 0.50% · 4.625%
HK$116,229
+HK$6,666/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,126/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,695
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,771
−HK$3,120/mo
Today · 4.125%
HK$120,891
baseline
▲ 0.50% · 4.625%
HK$127,264
+HK$6,373/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,782/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,717
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,565
−HK$3,910/mo
Today · 4.125%
HK$131,475
baseline
▲ 0.50% · 4.625%
HK$139,475
+HK$8,000/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$262,950/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,634
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,325
−HK$3,745/mo
Today · 4.125%
HK$145,070
baseline
▲ 0.50% · 4.625%
HK$152,717
+HK$7,647/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$290,140/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,336
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,826
−HK$4,562/mo
Today · 4.125%
HK$153,388
baseline
▲ 0.50% · 4.625%
HK$162,721
+HK$9,333/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,776/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,573
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,879
−HK$4,369/mo
Today · 4.125%
HK$169,248
baseline
▲ 0.50% · 4.625%
HK$178,169
+HK$8,921/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,496/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,575
−HK$11,638/mo
▼ 0.25% · 3.875%
HK$191,348
−HK$5,865/mo
Today · 4.125%
HK$197,213
baseline
▲ 0.50% · 4.625%
HK$209,213
+HK$12,000/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,426/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,451
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$211,988
−HK$5,617/mo
Today · 4.125%
HK$217,605
baseline
▲ 0.50% · 4.625%
HK$229,075
+HK$11,470/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,210/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,557 · Scale 2, in force from 26 Feb 2026)