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$104,084
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,322
−HK$3,289/mo
Today · 4.125%
HK$110,611
baseline
▲ 0.50% · 4.625%
HK$117,342
+HK$6,731/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$221,222/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,793
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,898
−HK$3,151/mo
Today · 4.125%
HK$122,049
baseline
▲ 0.50% · 4.625%
HK$128,482
+HK$6,433/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$244,098/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,901
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,786
−HK$3,948/mo
Today · 4.125%
HK$132,734
baseline
▲ 0.50% · 4.625%
HK$140,810
+HK$8,076/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$265,468/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,951
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,678
−HK$3,780/mo
Today · 4.125%
HK$146,458
baseline
▲ 0.50% · 4.625%
HK$154,178
+HK$7,720/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$292,916/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,718
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$150,251
−HK$4,605/mo
Today · 4.125%
HK$154,856
baseline
▲ 0.50% · 4.625%
HK$164,278
+HK$9,422/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$309,712/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,110
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$166,458
−HK$4,410/mo
Today · 4.125%
HK$170,868
baseline
▲ 0.50% · 4.625%
HK$179,875
+HK$9,007/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$341,736/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,352
−HK$11,748/mo
▼ 0.25% · 3.875%
HK$193,179
−HK$5,921/mo
Today · 4.125%
HK$199,100
baseline
▲ 0.50% · 4.625%
HK$211,215
+HK$12,115/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$398,200/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,427
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$214,017
−HK$5,671/mo
Today · 4.125%
HK$219,688
baseline
▲ 0.50% · 4.625%
HK$231,268
+HK$11,580/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$439,376/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,951 · Scale 2, in force from 26 Feb 2026)