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$103,661
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,885
−HK$3,276/mo
Today · 4.125%
HK$110,161
baseline
▲ 0.50% · 4.625%
HK$116,864
+HK$6,703/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,322/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,322
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,415
−HK$3,137/mo
Today · 4.125%
HK$121,552
baseline
▲ 0.50% · 4.625%
HK$127,959
+HK$6,407/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,104/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,393
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,262
−HK$3,932/mo
Today · 4.125%
HK$132,194
baseline
▲ 0.50% · 4.625%
HK$140,237
+HK$8,043/mo
Deposit HK$18.18M · loan HK$27.28M · min. income ≈ HK$264,388/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,386
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,097
−HK$3,766/mo
Today · 4.125%
HK$145,863
baseline
▲ 0.50% · 4.625%
HK$153,551
+HK$7,688/mo
Deposit HK$18.18M · loan HK$27.28M · min. income ≈ HK$291,726/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,125
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,639
−HK$4,587/mo
Today · 4.125%
HK$154,226
baseline
▲ 0.50% · 4.625%
HK$163,610
+HK$9,384/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$308,452/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,450
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,780
−HK$4,393/mo
Today · 4.125%
HK$170,173
baseline
▲ 0.50% · 4.625%
HK$179,143
+HK$8,970/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$340,346/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,590
−HK$11,700/mo
▼ 0.25% · 3.875%
HK$192,394
−HK$5,896/mo
Today · 4.125%
HK$198,290
baseline
▲ 0.50% · 4.625%
HK$210,356
+HK$12,066/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$396,580/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,579
−HK$11,215/mo
▼ 0.25% · 3.875%
HK$213,146
−HK$5,648/mo
Today · 4.125%
HK$218,794
baseline
▲ 0.50% · 4.625%
HK$230,327
+HK$11,533/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$437,588/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,058 · Scale 2, in force from 26 Feb 2026)