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$103,005
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,209
−HK$3,255/mo
Today · 4.125%
HK$109,464
baseline
▲ 0.50% · 4.625%
HK$116,125
+HK$6,661/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$218,928/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,592
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,665
−HK$3,118/mo
Today · 4.125%
HK$120,783
baseline
▲ 0.50% · 4.625%
HK$127,149
+HK$6,366/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$241,566/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,606
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$127,450
−HK$3,907/mo
Today · 4.125%
HK$131,357
baseline
▲ 0.50% · 4.625%
HK$139,349
+HK$7,992/mo
Deposit HK$18.07M · loan HK$27.10M · min. income ≈ HK$262,714/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,510
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$141,198
−HK$3,741/mo
Today · 4.125%
HK$144,939
baseline
▲ 0.50% · 4.625%
HK$152,579
+HK$7,640/mo
Deposit HK$18.07M · loan HK$27.10M · min. income ≈ HK$289,878/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,207
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,692
−HK$4,558/mo
Today · 4.125%
HK$153,250
baseline
▲ 0.50% · 4.625%
HK$162,574
+HK$9,324/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$306,500/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,428
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,731
−HK$4,365/mo
Today · 4.125%
HK$169,096
baseline
▲ 0.50% · 4.625%
HK$178,009
+HK$8,913/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$338,192/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,408
−HK$11,627/mo
▼ 0.25% · 3.875%
HK$191,176
−HK$5,859/mo
Today · 4.125%
HK$197,035
baseline
▲ 0.50% · 4.625%
HK$209,024
+HK$11,989/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$394,070/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,265
−HK$11,144/mo
▼ 0.25% · 3.875%
HK$211,797
−HK$5,612/mo
Today · 4.125%
HK$217,409
baseline
▲ 0.50% · 4.625%
HK$228,869
+HK$11,460/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$434,818/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,827 · Scale 2, in force from 26 Feb 2026)