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$104,206
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,447
−HK$3,293/mo
Today · 4.125%
HK$110,740
baseline
▲ 0.50% · 4.625%
HK$117,478
+HK$6,738/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$221,480/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,928
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,037
−HK$3,154/mo
Today · 4.125%
HK$122,191
baseline
▲ 0.50% · 4.625%
HK$128,632
+HK$6,441/mo
Deposit HK$22.85M · loan HK$22.85M · min. income ≈ HK$244,382/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,047
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,936
−HK$3,952/mo
Today · 4.125%
HK$132,888
baseline
▲ 0.50% · 4.625%
HK$140,974
+HK$8,086/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$265,776/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,113
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,844
−HK$3,785/mo
Today · 4.125%
HK$146,629
baseline
▲ 0.50% · 4.625%
HK$154,358
+HK$7,729/mo
Deposit HK$18.28M · loan HK$27.42M · min. income ≈ HK$293,258/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,888
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$150,426
−HK$4,610/mo
Today · 4.125%
HK$155,036
baseline
▲ 0.50% · 4.625%
HK$164,470
+HK$9,434/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$310,072/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,299
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$166,651
−HK$4,416/mo
Today · 4.125%
HK$171,067
baseline
▲ 0.50% · 4.625%
HK$180,084
+HK$9,017/mo
Deposit HK$13.71M · loan HK$31.99M · min. income ≈ HK$342,134/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,570
−HK$11,762/mo
▼ 0.25% · 3.875%
HK$193,404
−HK$5,928/mo
Today · 4.125%
HK$199,332
baseline
▲ 0.50% · 4.625%
HK$211,461
+HK$12,129/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$398,664/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,670
−HK$11,273/mo
▼ 0.25% · 3.875%
HK$214,266
−HK$5,677/mo
Today · 4.125%
HK$219,943
baseline
▲ 0.50% · 4.625%
HK$231,537
+HK$11,594/mo
Deposit HK$4.57M · loan HK$41.13M · min. income ≈ HK$439,886/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,209 · Scale 2, in force from 26 Feb 2026)