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$104,506
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,757
−HK$3,303/mo
Today · 4.125%
HK$111,060
baseline
▲ 0.50% · 4.625%
HK$117,817
+HK$6,757/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$222,120/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,262
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,380
−HK$3,163/mo
Today · 4.125%
HK$122,543
baseline
▲ 0.50% · 4.625%
HK$129,003
+HK$6,460/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$245,086/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,407
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,308
−HK$3,964/mo
Today · 4.125%
HK$133,272
baseline
▲ 0.50% · 4.625%
HK$141,381
+HK$8,109/mo
Deposit HK$18.33M · loan HK$27.50M · min. income ≈ HK$266,544/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,514
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,256
−HK$3,796/mo
Today · 4.125%
HK$147,052
baseline
▲ 0.50% · 4.625%
HK$154,803
+HK$7,751/mo
Deposit HK$18.33M · loan HK$27.50M · min. income ≈ HK$294,104/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,309
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$150,860
−HK$4,623/mo
Today · 4.125%
HK$155,483
baseline
▲ 0.50% · 4.625%
HK$164,944
+HK$9,461/mo
Deposit HK$13.75M · loan HK$32.08M · min. income ≈ HK$310,966/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,767
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,132
−HK$4,429/mo
Today · 4.125%
HK$171,561
baseline
▲ 0.50% · 4.625%
HK$180,604
+HK$9,043/mo
Deposit HK$13.75M · loan HK$32.08M · min. income ≈ HK$343,122/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,111
−HK$11,796/mo
▼ 0.25% · 3.875%
HK$193,962
−HK$5,945/mo
Today · 4.125%
HK$199,907
baseline
▲ 0.50% · 4.625%
HK$212,071
+HK$12,164/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$399,814/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,272
−HK$11,306/mo
▼ 0.25% · 3.875%
HK$214,884
−HK$5,694/mo
Today · 4.125%
HK$220,578
baseline
▲ 0.50% · 4.625%
HK$232,205
+HK$11,627/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$441,156/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,947,813 · Scale 2, in force from 26 Feb 2026)