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$103,884
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$3,283/mo
Today · 4.125%
HK$110,399
baseline
▲ 0.50% · 4.625%
HK$117,116
+HK$6,717/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$220,798/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,570
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,670
−HK$3,144/mo
Today · 4.125%
HK$121,814
baseline
▲ 0.50% · 4.625%
HK$128,235
+HK$6,421/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$243,628/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,661
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,539
−HK$3,939/mo
Today · 4.125%
HK$132,478
baseline
▲ 0.50% · 4.625%
HK$140,539
+HK$8,061/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$264,956/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,684
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,404
−HK$3,773/mo
Today · 4.125%
HK$146,177
baseline
▲ 0.50% · 4.625%
HK$153,882
+HK$7,705/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$292,354/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,438
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,962
−HK$4,596/mo
Today · 4.125%
HK$154,558
baseline
▲ 0.50% · 4.625%
HK$163,963
+HK$9,405/mo
Deposit HK$13.67M · loan HK$31.89M · min. income ≈ HK$309,116/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,798
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$166,138
−HK$4,402/mo
Today · 4.125%
HK$170,540
baseline
▲ 0.50% · 4.625%
HK$179,529
+HK$8,989/mo
Deposit HK$13.67M · loan HK$31.89M · min. income ≈ HK$341,080/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,992
−HK$11,726/mo
▼ 0.25% · 3.875%
HK$192,808
−HK$5,910/mo
Today · 4.125%
HK$198,718
baseline
▲ 0.50% · 4.625%
HK$210,809
+HK$12,091/mo
Deposit HK$4.56M · loan HK$41.00M · min. income ≈ HK$397,436/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,026
−HK$11,239/mo
▼ 0.25% · 3.875%
HK$213,606
−HK$5,659/mo
Today · 4.125%
HK$219,265
baseline
▲ 0.50% · 4.625%
HK$230,823
+HK$11,558/mo
Deposit HK$4.56M · loan HK$41.00M · min. income ≈ HK$438,530/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,222 · Scale 2, in force from 26 Feb 2026)