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$102,905
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,106
−HK$3,252/mo
Today · 4.125%
HK$109,358
baseline
▲ 0.50% · 4.625%
HK$116,012
+HK$6,654/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$218,716/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,481
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,551
−HK$3,115/mo
Today · 4.125%
HK$120,666
baseline
▲ 0.50% · 4.625%
HK$127,026
+HK$6,360/mo
Deposit HK$22.56M · loan HK$22.56M · min. income ≈ HK$241,332/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,486
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,327
−HK$3,902/mo
Today · 4.125%
HK$131,229
baseline
▲ 0.50% · 4.625%
HK$139,214
+HK$7,985/mo
Deposit HK$18.05M · loan HK$27.08M · min. income ≈ HK$262,458/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,377
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,061
−HK$3,738/mo
Today · 4.125%
HK$144,799
baseline
▲ 0.50% · 4.625%
HK$152,431
+HK$7,632/mo
Deposit HK$18.05M · loan HK$27.08M · min. income ≈ HK$289,598/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,067
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$148,548
−HK$4,553/mo
Today · 4.125%
HK$153,101
baseline
▲ 0.50% · 4.625%
HK$162,417
+HK$9,316/mo
Deposit HK$13.54M · loan HK$31.59M · min. income ≈ HK$306,202/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,273
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$164,571
−HK$4,361/mo
Today · 4.125%
HK$168,932
baseline
▲ 0.50% · 4.625%
HK$177,837
+HK$8,905/mo
Deposit HK$13.54M · loan HK$31.59M · min. income ≈ HK$337,864/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,229
−HK$11,615/mo
▼ 0.25% · 3.875%
HK$190,990
−HK$5,854/mo
Today · 4.125%
HK$196,844
baseline
▲ 0.50% · 4.625%
HK$208,822
+HK$11,978/mo
Deposit HK$4.51M · loan HK$40.62M · min. income ≈ HK$393,688/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,065
−HK$11,133/mo
▼ 0.25% · 3.875%
HK$211,592
−HK$5,606/mo
Today · 4.125%
HK$217,198
baseline
▲ 0.50% · 4.625%
HK$228,647
+HK$11,449/mo
Deposit HK$4.51M · loan HK$40.62M · min. income ≈ HK$434,396/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,917,967 · Scale 2, in force from 26 Feb 2026)