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$103,225
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,436
−HK$3,262/mo
Today · 4.125%
HK$109,698
baseline
▲ 0.50% · 4.625%
HK$116,373
+HK$6,675/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,396/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,837
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,916
−HK$3,125/mo
Today · 4.125%
HK$121,041
baseline
▲ 0.50% · 4.625%
HK$127,421
+HK$6,380/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,082/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,870
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$127,723
−HK$3,915/mo
Today · 4.125%
HK$131,638
baseline
▲ 0.50% · 4.625%
HK$139,647
+HK$8,009/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$263,276/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,804
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,500
−HK$3,749/mo
Today · 4.125%
HK$145,249
baseline
▲ 0.50% · 4.625%
HK$152,905
+HK$7,656/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$290,498/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,515
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$149,010
−HK$4,567/mo
Today · 4.125%
HK$153,577
baseline
▲ 0.50% · 4.625%
HK$162,922
+HK$9,345/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$307,154/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,771
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,083
−HK$4,374/mo
Today · 4.125%
HK$169,457
baseline
▲ 0.50% · 4.625%
HK$178,390
+HK$8,933/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$338,914/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,805
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$191,584
−HK$5,872/mo
Today · 4.125%
HK$197,456
baseline
▲ 0.50% · 4.625%
HK$209,471
+HK$12,015/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$394,912/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,706
−HK$11,168/mo
▼ 0.25% · 3.875%
HK$212,250
−HK$5,624/mo
Today · 4.125%
HK$217,874
baseline
▲ 0.50% · 4.625%
HK$229,358
+HK$11,484/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$435,748/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,931 · Scale 2, in force from 26 Feb 2026)