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$104,846
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,108
−HK$3,313/mo
Today · 4.125%
HK$111,421
baseline
▲ 0.50% · 4.625%
HK$118,201
+HK$6,780/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$222,842/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,641
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,769
−HK$3,173/mo
Today · 4.125%
HK$122,942
baseline
▲ 0.50% · 4.625%
HK$129,423
+HK$6,481/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$245,884/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,816
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$129,729
−HK$3,976/mo
Today · 4.125%
HK$133,705
baseline
▲ 0.50% · 4.625%
HK$141,841
+HK$8,136/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$267,410/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,969
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,723
−HK$3,808/mo
Today · 4.125%
HK$147,531
baseline
▲ 0.50% · 4.625%
HK$155,307
+HK$7,776/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$295,062/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,785
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$151,351
−HK$4,639/mo
Today · 4.125%
HK$155,990
baseline
▲ 0.50% · 4.625%
HK$165,481
+HK$9,491/mo
Deposit HK$13.79M · loan HK$32.19M · min. income ≈ HK$311,980/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,297
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$167,676
−HK$4,443/mo
Today · 4.125%
HK$172,119
baseline
▲ 0.50% · 4.625%
HK$181,192
+HK$9,073/mo
Deposit HK$13.79M · loan HK$32.19M · min. income ≈ HK$344,238/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,724
−HK$11,834/mo
▼ 0.25% · 3.875%
HK$194,594
−HK$5,964/mo
Today · 4.125%
HK$200,558
baseline
▲ 0.50% · 4.625%
HK$212,762
+HK$12,204/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$401,116/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,953
−HK$11,343/mo
▼ 0.25% · 3.875%
HK$215,584
−HK$5,712/mo
Today · 4.125%
HK$221,296
baseline
▲ 0.50% · 4.625%
HK$232,961
+HK$11,665/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$442,592/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,155 · Scale 2, in force from 26 Feb 2026)