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$104,628
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,883
−HK$3,306/mo
Today · 4.125%
HK$111,189
baseline
▲ 0.50% · 4.625%
HK$117,955
+HK$6,766/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$222,378/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,398
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,519
−HK$3,167/mo
Today · 4.125%
HK$122,686
baseline
▲ 0.50% · 4.625%
HK$129,153
+HK$6,467/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$245,372/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,554
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,459
−HK$3,968/mo
Today · 4.125%
HK$133,427
baseline
▲ 0.50% · 4.625%
HK$141,546
+HK$8,119/mo
Deposit HK$18.35M · loan HK$27.53M · min. income ≈ HK$266,854/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,677
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,423
−HK$3,801/mo
Today · 4.125%
HK$147,224
baseline
▲ 0.50% · 4.625%
HK$154,984
+HK$7,760/mo
Deposit HK$18.35M · loan HK$27.53M · min. income ≈ HK$294,448/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,479
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,036
−HK$4,629/mo
Today · 4.125%
HK$155,665
baseline
▲ 0.50% · 4.625%
HK$165,137
+HK$9,472/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$311,330/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,957
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,327
−HK$4,434/mo
Today · 4.125%
HK$171,761
baseline
▲ 0.50% · 4.625%
HK$180,815
+HK$9,054/mo
Deposit HK$13.77M · loan HK$32.12M · min. income ≈ HK$343,522/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,331
−HK$11,810/mo
▼ 0.25% · 3.875%
HK$194,189
−HK$5,952/mo
Today · 4.125%
HK$200,141
baseline
▲ 0.50% · 4.625%
HK$212,319
+HK$12,178/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$400,282/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,516
−HK$11,319/mo
▼ 0.25% · 3.875%
HK$215,135
−HK$5,700/mo
Today · 4.125%
HK$220,835
baseline
▲ 0.50% · 4.625%
HK$232,476
+HK$11,641/mo
Deposit HK$4.59M · loan HK$41.30M · min. income ≈ HK$441,670/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,086 · Scale 2, in force from 26 Feb 2026)