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$103,378
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,594
−HK$3,267/mo
Today · 4.125%
HK$109,861
baseline
▲ 0.50% · 4.625%
HK$116,546
+HK$6,685/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$219,722/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,007
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,092
−HK$3,129/mo
Today · 4.125%
HK$121,221
baseline
▲ 0.50% · 4.625%
HK$127,611
+HK$6,390/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$242,442/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,054
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,913
−HK$3,920/mo
Today · 4.125%
HK$131,833
baseline
▲ 0.50% · 4.625%
HK$139,855
+HK$8,022/mo
Deposit HK$18.13M · loan HK$27.20M · min. income ≈ HK$263,666/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,009
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,710
−HK$3,755/mo
Today · 4.125%
HK$145,465
baseline
▲ 0.50% · 4.625%
HK$153,133
+HK$7,668/mo
Deposit HK$18.13M · loan HK$27.20M · min. income ≈ HK$290,930/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,730
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$149,232
−HK$4,574/mo
Today · 4.125%
HK$153,806
baseline
▲ 0.50% · 4.625%
HK$163,164
+HK$9,358/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$307,612/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,010
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$165,329
−HK$4,380/mo
Today · 4.125%
HK$169,709
baseline
▲ 0.50% · 4.625%
HK$178,655
+HK$8,946/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$339,418/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,081
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$191,869
−HK$5,881/mo
Today · 4.125%
HK$197,750
baseline
▲ 0.50% · 4.625%
HK$209,783
+HK$12,033/mo
Deposit HK$4.53M · loan HK$40.80M · min. income ≈ HK$395,500/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,013
−HK$11,185/mo
▼ 0.25% · 3.875%
HK$212,565
−HK$5,633/mo
Today · 4.125%
HK$218,198
baseline
▲ 0.50% · 4.625%
HK$229,699
+HK$11,501/mo
Deposit HK$4.53M · loan HK$40.80M · min. income ≈ HK$436,396/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,926,793 · Scale 2, in force from 26 Feb 2026)