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$103,432
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,649
−HK$3,269/mo
Today · 4.125%
HK$109,918
baseline
▲ 0.50% · 4.625%
HK$116,606
+HK$6,688/mo
Deposit HK$22.68M · loan HK$22.68M · min. income ≈ HK$219,836/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,067
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,153
−HK$3,130/mo
Today · 4.125%
HK$121,283
baseline
▲ 0.50% · 4.625%
HK$127,676
+HK$6,393/mo
Deposit HK$22.68M · loan HK$22.68M · min. income ≈ HK$242,566/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,118
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,979
−HK$3,922/mo
Today · 4.125%
HK$131,901
baseline
▲ 0.50% · 4.625%
HK$139,927
+HK$8,026/mo
Deposit HK$18.14M · loan HK$27.22M · min. income ≈ HK$263,802/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,080
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,783
−HK$3,757/mo
Today · 4.125%
HK$145,540
baseline
▲ 0.50% · 4.625%
HK$153,212
+HK$7,672/mo
Deposit HK$18.14M · loan HK$27.22M · min. income ≈ HK$291,080/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,804
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$149,308
−HK$4,577/mo
Today · 4.125%
HK$153,885
baseline
▲ 0.50% · 4.625%
HK$163,248
+HK$9,363/mo
Deposit HK$13.61M · loan HK$31.75M · min. income ≈ HK$307,770/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,093
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,414
−HK$4,383/mo
Today · 4.125%
HK$169,797
baseline
▲ 0.50% · 4.625%
HK$178,747
+HK$8,950/mo
Deposit HK$13.61M · loan HK$31.75M · min. income ≈ HK$339,594/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,177
−HK$11,675/mo
▼ 0.25% · 3.875%
HK$191,968
−HK$5,884/mo
Today · 4.125%
HK$197,852
baseline
▲ 0.50% · 4.625%
HK$209,891
+HK$12,039/mo
Deposit HK$4.54M · loan HK$40.82M · min. income ≈ HK$395,704/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,120
−HK$11,190/mo
▼ 0.25% · 3.875%
HK$212,675
−HK$5,635/mo
Today · 4.125%
HK$218,310
baseline
▲ 0.50% · 4.625%
HK$229,817
+HK$11,507/mo
Deposit HK$4.54M · loan HK$40.82M · min. income ≈ HK$436,620/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,785 · Scale 2, in force from 26 Feb 2026)