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$103,261
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,473
−HK$3,264/mo
Today · 4.125%
HK$109,737
baseline
▲ 0.50% · 4.625%
HK$116,414
+HK$6,677/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$219,474/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,877
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,958
−HK$3,126/mo
Today · 4.125%
HK$121,084
baseline
▲ 0.50% · 4.625%
HK$127,466
+HK$6,382/mo
Deposit HK$22.64M · loan HK$22.64M · min. income ≈ HK$242,168/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,914
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,768
−HK$3,916/mo
Today · 4.125%
HK$131,684
baseline
▲ 0.50% · 4.625%
HK$139,697
+HK$8,013/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$263,368/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,853
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,550
−HK$3,750/mo
Today · 4.125%
HK$145,300
baseline
▲ 0.50% · 4.625%
HK$152,959
+HK$7,659/mo
Deposit HK$18.11M · loan HK$27.17M · min. income ≈ HK$290,600/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,566
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$149,063
−HK$4,569/mo
Today · 4.125%
HK$153,632
baseline
▲ 0.50% · 4.625%
HK$162,980
+HK$9,348/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$307,264/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,828
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$165,142
−HK$4,375/mo
Today · 4.125%
HK$169,517
baseline
▲ 0.50% · 4.625%
HK$178,453
+HK$8,936/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$339,034/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,871
−HK$11,655/mo
▼ 0.25% · 3.875%
HK$191,652
−HK$5,874/mo
Today · 4.125%
HK$197,526
baseline
▲ 0.50% · 4.625%
HK$209,545
+HK$12,019/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,052/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,779
−HK$11,172/mo
▼ 0.25% · 3.875%
HK$212,325
−HK$5,626/mo
Today · 4.125%
HK$217,951
baseline
▲ 0.50% · 4.625%
HK$229,439
+HK$11,488/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,902/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,613 · Scale 2, in force from 26 Feb 2026)