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$103,219
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,430
−HK$3,262/mo
Today · 4.125%
HK$109,692
baseline
▲ 0.50% · 4.625%
HK$116,367
+HK$6,675/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,384/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,830
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,910
−HK$3,124/mo
Today · 4.125%
HK$121,034
baseline
▲ 0.50% · 4.625%
HK$127,414
+HK$6,380/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,068/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,863
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$127,716
−HK$3,915/mo
Today · 4.125%
HK$131,631
baseline
▲ 0.50% · 4.625%
HK$139,640
+HK$8,009/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$263,262/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,797
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,492
−HK$3,749/mo
Today · 4.125%
HK$145,241
baseline
▲ 0.50% · 4.625%
HK$152,897
+HK$7,656/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$290,482/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,507
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$149,002
−HK$4,567/mo
Today · 4.125%
HK$153,569
baseline
▲ 0.50% · 4.625%
HK$162,913
+HK$9,344/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$307,138/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,763
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$165,074
−HK$4,374/mo
Today · 4.125%
HK$169,448
baseline
▲ 0.50% · 4.625%
HK$178,380
+HK$8,932/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$338,896/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,795
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$191,574
−HK$5,872/mo
Today · 4.125%
HK$197,446
baseline
▲ 0.50% · 4.625%
HK$209,460
+HK$12,014/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$394,892/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,695
−HK$11,167/mo
▼ 0.25% · 3.875%
HK$212,238
−HK$5,624/mo
Today · 4.125%
HK$217,862
baseline
▲ 0.50% · 4.625%
HK$229,346
+HK$11,484/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$435,724/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,829 · Scale 2, in force from 26 Feb 2026)