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$104,535
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,787
−HK$3,303/mo
Today · 4.125%
HK$111,090
baseline
▲ 0.50% · 4.625%
HK$117,850
+HK$6,760/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$222,180/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,294
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,413
−HK$3,164/mo
Today · 4.125%
HK$122,577
baseline
▲ 0.50% · 4.625%
HK$129,038
+HK$6,461/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$245,154/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,442
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,344
−HK$3,964/mo
Today · 4.125%
HK$133,308
baseline
▲ 0.50% · 4.625%
HK$141,420
+HK$8,112/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$266,616/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,553
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,296
−HK$3,796/mo
Today · 4.125%
HK$147,092
baseline
▲ 0.50% · 4.625%
HK$154,846
+HK$7,754/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$294,184/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,349
−HK$9,177/mo
▼ 0.25% · 3.875%
HK$150,901
−HK$4,625/mo
Today · 4.125%
HK$155,526
baseline
▲ 0.50% · 4.625%
HK$164,990
+HK$9,464/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$311,052/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,812
−HK$8,796/mo
▼ 0.25% · 3.875%
HK$167,178
−HK$4,430/mo
Today · 4.125%
HK$171,608
baseline
▲ 0.50% · 4.625%
HK$180,654
+HK$9,046/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$343,216/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,163
−HK$11,799/mo
▼ 0.25% · 3.875%
HK$194,016
−HK$5,946/mo
Today · 4.125%
HK$199,962
baseline
▲ 0.50% · 4.625%
HK$212,130
+HK$12,168/mo
Deposit HK$4.58M · loan HK$41.26M · min. income ≈ HK$399,924/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,329
−HK$11,310/mo
▼ 0.25% · 3.875%
HK$214,943
−HK$5,696/mo
Today · 4.125%
HK$220,639
baseline
▲ 0.50% · 4.625%
HK$232,269
+HK$11,630/mo
Deposit HK$4.58M · loan HK$41.26M · min. income ≈ HK$441,278/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,349 · Scale 2, in force from 26 Feb 2026)