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$102,975
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,178
−HK$3,254/mo
Today · 4.125%
HK$109,432
baseline
▲ 0.50% · 4.625%
HK$116,091
+HK$6,659/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$218,864/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,559
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,631
−HK$3,117/mo
Today · 4.125%
HK$120,748
baseline
▲ 0.50% · 4.625%
HK$127,113
+HK$6,365/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$241,496/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,570
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,414
−HK$3,905/mo
Today · 4.125%
HK$131,319
baseline
▲ 0.50% · 4.625%
HK$139,309
+HK$7,990/mo
Deposit HK$18.06M · loan HK$27.10M · min. income ≈ HK$262,638/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,470
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,157
−HK$3,741/mo
Today · 4.125%
HK$144,898
baseline
▲ 0.50% · 4.625%
HK$152,535
+HK$7,637/mo
Deposit HK$18.06M · loan HK$27.10M · min. income ≈ HK$289,796/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,165
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$148,649
−HK$4,556/mo
Today · 4.125%
HK$153,205
baseline
▲ 0.50% · 4.625%
HK$162,528
+HK$9,323/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$306,410/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,382
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,684
−HK$4,363/mo
Today · 4.125%
HK$169,047
baseline
▲ 0.50% · 4.625%
HK$177,958
+HK$8,911/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$338,094/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,355
−HK$11,623/mo
▼ 0.25% · 3.875%
HK$191,121
−HK$5,857/mo
Today · 4.125%
HK$196,978
baseline
▲ 0.50% · 4.625%
HK$208,964
+HK$11,986/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$393,956/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,206
−HK$11,140/mo
▼ 0.25% · 3.875%
HK$211,736
−HK$5,610/mo
Today · 4.125%
HK$217,346
baseline
▲ 0.50% · 4.625%
HK$228,803
+HK$11,457/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$434,692/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,275 · Scale 2, in force from 26 Feb 2026)