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$104,131
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,370
−HK$3,291/mo
Today · 4.125%
HK$110,661
baseline
▲ 0.50% · 4.625%
HK$117,394
+HK$6,733/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,322/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,844
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,951
−HK$3,152/mo
Today · 4.125%
HK$122,103
baseline
▲ 0.50% · 4.625%
HK$128,539
+HK$6,436/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,206/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,957
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,844
−HK$3,949/mo
Today · 4.125%
HK$132,793
baseline
▲ 0.50% · 4.625%
HK$140,873
+HK$8,080/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,586/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,013
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,741
−HK$3,783/mo
Today · 4.125%
HK$146,524
baseline
▲ 0.50% · 4.625%
HK$154,247
+HK$7,723/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,048/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,783
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,318
−HK$4,607/mo
Today · 4.125%
HK$154,925
baseline
▲ 0.50% · 4.625%
HK$164,352
+HK$9,427/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,850/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,182
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$166,532
−HK$4,412/mo
Today · 4.125%
HK$170,944
baseline
▲ 0.50% · 4.625%
HK$179,955
+HK$9,011/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,888/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,435
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$193,266
−HK$5,923/mo
Today · 4.125%
HK$199,189
baseline
▲ 0.50% · 4.625%
HK$211,309
+HK$12,120/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$398,378/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,520
−HK$11,265/mo
▼ 0.25% · 3.875%
HK$214,112
−HK$5,673/mo
Today · 4.125%
HK$219,785
baseline
▲ 0.50% · 4.625%
HK$231,371
+HK$11,586/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$439,570/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,815 · Scale 2, in force from 26 Feb 2026)