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$103,647
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,871
−HK$3,275/mo
Today · 4.125%
HK$110,146
baseline
▲ 0.50% · 4.625%
HK$116,849
+HK$6,703/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,292/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,306
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,398
−HK$3,138/mo
Today · 4.125%
HK$121,536
baseline
▲ 0.50% · 4.625%
HK$127,942
+HK$6,406/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,072/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,376
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,245
−HK$3,931/mo
Today · 4.125%
HK$132,176
baseline
▲ 0.50% · 4.625%
HK$140,218
+HK$8,042/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$264,352/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,367
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,078
−HK$3,765/mo
Today · 4.125%
HK$145,843
baseline
▲ 0.50% · 4.625%
HK$153,530
+HK$7,687/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$291,686/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,106
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$149,619
−HK$4,586/mo
Today · 4.125%
HK$154,205
baseline
▲ 0.50% · 4.625%
HK$163,588
+HK$9,383/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$308,410/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,428
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,758
−HK$4,392/mo
Today · 4.125%
HK$170,150
baseline
▲ 0.50% · 4.625%
HK$179,119
+HK$8,969/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$340,300/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,564
−HK$11,699/mo
▼ 0.25% · 3.875%
HK$192,367
−HK$5,896/mo
Today · 4.125%
HK$198,263
baseline
▲ 0.50% · 4.625%
HK$210,327
+HK$12,064/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$396,526/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,551
−HK$11,213/mo
▼ 0.25% · 3.875%
HK$213,117
−HK$5,647/mo
Today · 4.125%
HK$218,764
baseline
▲ 0.50% · 4.625%
HK$230,296
+HK$11,532/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$437,528/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,796 · Scale 2, in force from 26 Feb 2026)