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$103,653
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,877
−HK$3,276/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$116,856
+HK$6,703/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,313
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,406
−HK$3,137/mo
Today · 4.125%
HK$121,543
baseline
▲ 0.50% · 4.625%
HK$127,950
+HK$6,407/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,086/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,384
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,253
−HK$3,931/mo
Today · 4.125%
HK$132,184
baseline
▲ 0.50% · 4.625%
HK$140,227
+HK$8,043/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$264,368/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,376
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,087
−HK$3,765/mo
Today · 4.125%
HK$145,852
baseline
▲ 0.50% · 4.625%
HK$153,540
+HK$7,688/mo
Deposit HK$18.18M · loan HK$27.27M · min. income ≈ HK$291,704/mo (50% DSR)
Upfront cash ≈ HK$20.11M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,114
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,628
−HK$4,586/mo
Today · 4.125%
HK$154,214
baseline
▲ 0.50% · 4.625%
HK$163,598
+HK$9,384/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$308,428/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,438
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,768
−HK$4,392/mo
Today · 4.125%
HK$170,160
baseline
▲ 0.50% · 4.625%
HK$179,130
+HK$8,970/mo
Deposit HK$13.64M · loan HK$31.82M · min. income ≈ HK$340,320/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,575
−HK$11,700/mo
▼ 0.25% · 3.875%
HK$192,379
−HK$5,896/mo
Today · 4.125%
HK$198,275
baseline
▲ 0.50% · 4.625%
HK$210,340
+HK$12,065/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$396,550/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,563
−HK$11,214/mo
▼ 0.25% · 3.875%
HK$213,130
−HK$5,647/mo
Today · 4.125%
HK$218,777
baseline
▲ 0.50% · 4.625%
HK$230,309
+HK$11,532/mo
Deposit HK$4.55M · loan HK$40.91M · min. income ≈ HK$437,554/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,931,912 · Scale 2, in force from 26 Feb 2026)