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$104,416
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,664
−HK$3,300/mo
Today · 4.125%
HK$110,964
baseline
▲ 0.50% · 4.625%
HK$117,716
+HK$6,752/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$221,928/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,162
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,277
−HK$3,161/mo
Today · 4.125%
HK$122,438
baseline
▲ 0.50% · 4.625%
HK$128,892
+HK$6,454/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$244,876/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,299
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,197
−HK$3,960/mo
Today · 4.125%
HK$133,157
baseline
▲ 0.50% · 4.625%
HK$141,259
+HK$8,102/mo
Deposit HK$18.32M · loan HK$27.47M · min. income ≈ HK$266,314/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,394
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,133
−HK$3,792/mo
Today · 4.125%
HK$146,925
baseline
▲ 0.50% · 4.625%
HK$154,670
+HK$7,745/mo
Deposit HK$18.32M · loan HK$27.47M · min. income ≈ HK$293,850/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,183
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,730
−HK$4,620/mo
Today · 4.125%
HK$155,350
baseline
▲ 0.50% · 4.625%
HK$164,802
+HK$9,452/mo
Deposit HK$13.74M · loan HK$32.05M · min. income ≈ HK$310,700/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,627
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,988
−HK$4,425/mo
Today · 4.125%
HK$171,413
baseline
▲ 0.50% · 4.625%
HK$180,448
+HK$9,035/mo
Deposit HK$13.74M · loan HK$32.05M · min. income ≈ HK$342,826/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,949
−HK$11,786/mo
▼ 0.25% · 3.875%
HK$193,796
−HK$5,939/mo
Today · 4.125%
HK$199,735
baseline
▲ 0.50% · 4.625%
HK$211,889
+HK$12,154/mo
Deposit HK$4.58M · loan HK$41.21M · min. income ≈ HK$399,470/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,092
−HK$11,296/mo
▼ 0.25% · 3.875%
HK$214,699
−HK$5,689/mo
Today · 4.125%
HK$220,388
baseline
▲ 0.50% · 4.625%
HK$232,005
+HK$11,617/mo
Deposit HK$4.58M · loan HK$41.21M · min. income ≈ HK$440,776/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,137 · Scale 2, in force from 26 Feb 2026)