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$103,775
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,003
−HK$3,280/mo
Today · 4.125%
HK$110,283
baseline
▲ 0.50% · 4.625%
HK$116,993
+HK$6,710/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,566/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,449
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,545
−HK$3,141/mo
Today · 4.125%
HK$121,686
baseline
▲ 0.50% · 4.625%
HK$128,100
+HK$6,414/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,372/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,530
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$128,404
−HK$3,935/mo
Today · 4.125%
HK$132,339
baseline
▲ 0.50% · 4.625%
HK$140,392
+HK$8,053/mo
Deposit HK$18.20M · loan HK$27.31M · min. income ≈ HK$264,678/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,539
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$142,254
−HK$3,769/mo
Today · 4.125%
HK$146,023
baseline
▲ 0.50% · 4.625%
HK$153,720
+HK$7,697/mo
Deposit HK$18.20M · loan HK$27.31M · min. income ≈ HK$292,046/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,285
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,804
−HK$4,592/mo
Today · 4.125%
HK$154,396
baseline
▲ 0.50% · 4.625%
HK$163,790
+HK$9,394/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$308,792/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,628
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,963
−HK$4,398/mo
Today · 4.125%
HK$170,361
baseline
▲ 0.50% · 4.625%
HK$179,340
+HK$8,979/mo
Deposit HK$13.65M · loan HK$31.86M · min. income ≈ HK$340,722/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,795
−HK$11,714/mo
▼ 0.25% · 3.875%
HK$192,606
−HK$5,903/mo
Today · 4.125%
HK$198,509
baseline
▲ 0.50% · 4.625%
HK$210,588
+HK$12,079/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$397,018/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,808
−HK$11,227/mo
▼ 0.25% · 3.875%
HK$213,381
−HK$5,654/mo
Today · 4.125%
HK$219,035
baseline
▲ 0.50% · 4.625%
HK$230,581
+HK$11,546/mo
Deposit HK$4.55M · loan HK$40.96M · min. income ≈ HK$438,070/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,187 · Scale 2, in force from 26 Feb 2026)