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$103,359
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,574
−HK$3,266/mo
Today · 4.125%
HK$109,840
baseline
▲ 0.50% · 4.625%
HK$116,524
+HK$6,684/mo
Deposit HK$22.66M · loan HK$22.66M · min. income ≈ HK$219,680/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,986
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,070
−HK$3,128/mo
Today · 4.125%
HK$121,198
baseline
▲ 0.50% · 4.625%
HK$127,587
+HK$6,389/mo
Deposit HK$22.66M · loan HK$22.66M · min. income ≈ HK$242,396/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,031
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,889
−HK$3,919/mo
Today · 4.125%
HK$131,808
baseline
▲ 0.50% · 4.625%
HK$139,829
+HK$8,021/mo
Deposit HK$18.13M · loan HK$27.20M · min. income ≈ HK$263,616/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,983
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,684
−HK$3,754/mo
Today · 4.125%
HK$145,438
baseline
▲ 0.50% · 4.625%
HK$153,104
+HK$7,666/mo
Deposit HK$18.13M · loan HK$27.20M · min. income ≈ HK$290,876/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,702
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$149,204
−HK$4,573/mo
Today · 4.125%
HK$153,777
baseline
▲ 0.50% · 4.625%
HK$163,134
+HK$9,357/mo
Deposit HK$13.60M · loan HK$31.73M · min. income ≈ HK$307,554/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,980
−HK$8,697/mo
▼ 0.25% · 3.875%
HK$165,297
−HK$4,380/mo
Today · 4.125%
HK$169,677
baseline
▲ 0.50% · 4.625%
HK$178,621
+HK$8,944/mo
Deposit HK$13.60M · loan HK$31.73M · min. income ≈ HK$339,354/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,046
−HK$11,667/mo
▼ 0.25% · 3.875%
HK$191,833
−HK$5,880/mo
Today · 4.125%
HK$197,713
baseline
▲ 0.50% · 4.625%
HK$209,743
+HK$12,030/mo
Deposit HK$4.53M · loan HK$40.79M · min. income ≈ HK$395,426/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,974
−HK$11,183/mo
▼ 0.25% · 3.875%
HK$212,525
−HK$5,632/mo
Today · 4.125%
HK$218,157
baseline
▲ 0.50% · 4.625%
HK$229,656
+HK$11,499/mo
Deposit HK$4.53M · loan HK$40.79M · min. income ≈ HK$436,314/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,430 · Scale 2, in force from 26 Feb 2026)