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$104,215
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,457
−HK$3,294/mo
Today · 4.125%
HK$110,751
baseline
▲ 0.50% · 4.625%
HK$117,490
+HK$6,739/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$221,502/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,939
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,048
−HK$3,155/mo
Today · 4.125%
HK$122,203
baseline
▲ 0.50% · 4.625%
HK$128,644
+HK$6,441/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$244,406/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,059
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,949
−HK$3,952/mo
Today · 4.125%
HK$132,901
baseline
▲ 0.50% · 4.625%
HK$140,988
+HK$8,087/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$265,802/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,126
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,858
−HK$3,785/mo
Today · 4.125%
HK$146,643
baseline
▲ 0.50% · 4.625%
HK$154,373
+HK$7,730/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$293,286/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,902
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,440
−HK$4,611/mo
Today · 4.125%
HK$155,051
baseline
▲ 0.50% · 4.625%
HK$164,486
+HK$9,435/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$310,102/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,314
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$166,667
−HK$4,417/mo
Today · 4.125%
HK$171,084
baseline
▲ 0.50% · 4.625%
HK$180,102
+HK$9,018/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$342,168/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,588
−HK$11,763/mo
▼ 0.25% · 3.875%
HK$193,423
−HK$5,928/mo
Today · 4.125%
HK$199,351
baseline
▲ 0.50% · 4.625%
HK$211,481
+HK$12,130/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$398,702/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,690
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,287
−HK$5,678/mo
Today · 4.125%
HK$219,965
baseline
▲ 0.50% · 4.625%
HK$231,559
+HK$11,594/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$439,930/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,395 · Scale 2, in force from 26 Feb 2026)