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$103,624
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,847
−HK$3,275/mo
Today · 4.125%
HK$110,122
baseline
▲ 0.50% · 4.625%
HK$116,822
+HK$6,700/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$220,244/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,280
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,372
−HK$3,136/mo
Today · 4.125%
HK$121,508
baseline
▲ 0.50% · 4.625%
HK$127,913
+HK$6,405/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$243,016/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,348
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,216
−HK$3,930/mo
Today · 4.125%
HK$132,146
baseline
▲ 0.50% · 4.625%
HK$140,187
+HK$8,041/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$264,292/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,336
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,046
−HK$3,764/mo
Today · 4.125%
HK$145,810
baseline
▲ 0.50% · 4.625%
HK$153,496
+HK$7,686/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$291,620/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,073
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$149,586
−HK$4,584/mo
Today · 4.125%
HK$154,170
baseline
▲ 0.50% · 4.625%
HK$163,551
+HK$9,381/mo
Deposit HK$13.63M · loan HK$31.81M · min. income ≈ HK$308,340/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,392
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,721
−HK$4,391/mo
Today · 4.125%
HK$170,112
baseline
▲ 0.50% · 4.625%
HK$179,079
+HK$8,967/mo
Deposit HK$13.63M · loan HK$31.81M · min. income ≈ HK$340,224/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,522
−HK$11,697/mo
▼ 0.25% · 3.875%
HK$192,324
−HK$5,895/mo
Today · 4.125%
HK$198,219
baseline
▲ 0.50% · 4.625%
HK$210,280
+HK$12,061/mo
Deposit HK$4.54M · loan HK$40.90M · min. income ≈ HK$396,438/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,504
−HK$11,211/mo
▼ 0.25% · 3.875%
HK$213,070
−HK$5,645/mo
Today · 4.125%
HK$218,715
baseline
▲ 0.50% · 4.625%
HK$230,244
+HK$11,529/mo
Deposit HK$4.54M · loan HK$40.90M · min. income ≈ HK$437,430/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,363 · Scale 2, in force from 26 Feb 2026)