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$103,755
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,982
−HK$3,279/mo
Today · 4.125%
HK$110,261
baseline
▲ 0.50% · 4.625%
HK$116,971
+HK$6,710/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$220,522/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,426
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,522
−HK$3,141/mo
Today · 4.125%
HK$121,663
baseline
▲ 0.50% · 4.625%
HK$128,076
+HK$6,413/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$243,326/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,506
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$128,379
−HK$3,935/mo
Today · 4.125%
HK$132,314
baseline
▲ 0.50% · 4.625%
HK$140,365
+HK$8,051/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$264,628/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,512
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,227
−HK$3,768/mo
Today · 4.125%
HK$145,995
baseline
▲ 0.50% · 4.625%
HK$153,691
+HK$7,696/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$291,990/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,257
−HK$9,109/mo
▼ 0.25% · 3.875%
HK$149,775
−HK$4,591/mo
Today · 4.125%
HK$154,366
baseline
▲ 0.50% · 4.625%
HK$163,759
+HK$9,393/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$308,732/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,597
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$165,931
−HK$4,397/mo
Today · 4.125%
HK$170,328
baseline
▲ 0.50% · 4.625%
HK$179,306
+HK$8,978/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$340,656/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,759
−HK$11,711/mo
▼ 0.25% · 3.875%
HK$192,568
−HK$5,902/mo
Today · 4.125%
HK$198,470
baseline
▲ 0.50% · 4.625%
HK$210,547
+HK$12,077/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$396,940/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,768
−HK$11,225/mo
▼ 0.25% · 3.875%
HK$213,340
−HK$5,653/mo
Today · 4.125%
HK$218,993
baseline
▲ 0.50% · 4.625%
HK$230,536
+HK$11,543/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$437,986/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,813 · Scale 2, in force from 26 Feb 2026)