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$103,743
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$106,970
−HK$3,279/mo
Today · 4.125%
HK$110,249
baseline
▲ 0.50% · 4.625%
HK$116,957
+HK$6,708/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$220,498/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,413
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$118,509
−HK$3,140/mo
Today · 4.125%
HK$121,649
baseline
▲ 0.50% · 4.625%
HK$128,061
+HK$6,412/mo
Deposit HK$22.75M · loan HK$22.75M · min. income ≈ HK$243,298/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,492
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$128,364
−HK$3,935/mo
Today · 4.125%
HK$132,299
baseline
▲ 0.50% · 4.625%
HK$140,349
+HK$8,050/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$264,598/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,496
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,211
−HK$3,768/mo
Today · 4.125%
HK$145,979
baseline
▲ 0.50% · 4.625%
HK$153,673
+HK$7,694/mo
Deposit HK$18.20M · loan HK$27.30M · min. income ≈ HK$291,958/mo (50% DSR)
Upfront cash ≈ HK$20.13M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,241
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,759
−HK$4,590/mo
Today · 4.125%
HK$154,349
baseline
▲ 0.50% · 4.625%
HK$163,740
+HK$9,391/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$308,698/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,579
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$165,912
−HK$4,396/mo
Today · 4.125%
HK$170,308
baseline
▲ 0.50% · 4.625%
HK$179,286
+HK$8,978/mo
Deposit HK$13.65M · loan HK$31.85M · min. income ≈ HK$340,616/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,738
−HK$11,710/mo
▼ 0.25% · 3.875%
HK$192,547
−HK$5,901/mo
Today · 4.125%
HK$198,448
baseline
▲ 0.50% · 4.625%
HK$210,523
+HK$12,075/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$396,896/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,744
−HK$11,224/mo
▼ 0.25% · 3.875%
HK$213,316
−HK$5,652/mo
Today · 4.125%
HK$218,968
baseline
▲ 0.50% · 4.625%
HK$230,510
+HK$11,542/mo
Deposit HK$4.55M · loan HK$40.95M · min. income ≈ HK$437,936/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,933,596 · Scale 2, in force from 26 Feb 2026)