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$104,214
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,455
−HK$3,294/mo
Today · 4.125%
HK$110,749
baseline
▲ 0.50% · 4.625%
HK$117,488
+HK$6,739/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$221,498/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,937
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,046
−HK$3,155/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$128,642
+HK$6,441/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,057
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,947
−HK$3,952/mo
Today · 4.125%
HK$132,899
baseline
▲ 0.50% · 4.625%
HK$140,985
+HK$8,086/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$265,798/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,124
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,855
−HK$3,786/mo
Today · 4.125%
HK$146,641
baseline
▲ 0.50% · 4.625%
HK$154,370
+HK$7,729/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$293,282/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,899
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$150,438
−HK$4,611/mo
Today · 4.125%
HK$155,049
baseline
▲ 0.50% · 4.625%
HK$164,483
+HK$9,434/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$310,098/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,312
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,665
−HK$4,416/mo
Today · 4.125%
HK$171,081
baseline
▲ 0.50% · 4.625%
HK$180,099
+HK$9,018/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$342,162/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,585
−HK$11,763/mo
▼ 0.25% · 3.875%
HK$193,420
−HK$5,928/mo
Today · 4.125%
HK$199,348
baseline
▲ 0.50% · 4.625%
HK$211,478
+HK$12,130/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$398,696/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,686
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$214,283
−HK$5,678/mo
Today · 4.125%
HK$219,961
baseline
▲ 0.50% · 4.625%
HK$231,555
+HK$11,594/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$439,922/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,364 · Scale 2, in force from 26 Feb 2026)