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$104,563
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,816
−HK$3,304/mo
Today · 4.125%
HK$111,120
baseline
▲ 0.50% · 4.625%
HK$117,882
+HK$6,762/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$222,240/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,326
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,446
−HK$3,164/mo
Today · 4.125%
HK$122,610
baseline
▲ 0.50% · 4.625%
HK$129,073
+HK$6,463/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$245,220/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,476
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,379
−HK$3,966/mo
Today · 4.125%
HK$133,345
baseline
▲ 0.50% · 4.625%
HK$141,458
+HK$8,113/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$266,690/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,591
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,335
−HK$3,798/mo
Today · 4.125%
HK$147,133
baseline
▲ 0.50% · 4.625%
HK$154,888
+HK$7,755/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$294,266/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,389
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$150,942
−HK$4,627/mo
Today · 4.125%
HK$155,569
baseline
▲ 0.50% · 4.625%
HK$165,035
+HK$9,466/mo
Deposit HK$13.76M · loan HK$32.10M · min. income ≈ HK$311,138/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,856
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$167,224
−HK$4,431/mo
Today · 4.125%
HK$171,655
baseline
▲ 0.50% · 4.625%
HK$180,703
+HK$9,048/mo
Deposit HK$13.76M · loan HK$32.10M · min. income ≈ HK$343,310/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,214
−HK$11,803/mo
▼ 0.25% · 3.875%
HK$194,069
−HK$5,948/mo
Today · 4.125%
HK$200,017
baseline
▲ 0.50% · 4.625%
HK$212,187
+HK$12,170/mo
Deposit HK$4.59M · loan HK$41.27M · min. income ≈ HK$400,034/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,386
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$215,002
−HK$5,697/mo
Today · 4.125%
HK$220,699
baseline
▲ 0.50% · 4.625%
HK$232,332
+HK$11,633/mo
Deposit HK$4.59M · loan HK$41.27M · min. income ≈ HK$441,398/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,880 · Scale 2, in force from 26 Feb 2026)