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$103,589
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,811
−HK$3,274/mo
Today · 4.125%
HK$110,085
baseline
▲ 0.50% · 4.625%
HK$116,784
+HK$6,699/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$220,170/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,242
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,333
−HK$3,135/mo
Today · 4.125%
HK$121,468
baseline
▲ 0.50% · 4.625%
HK$127,871
+HK$6,403/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$242,936/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,307
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,174
−HK$3,928/mo
Today · 4.125%
HK$132,102
baseline
▲ 0.50% · 4.625%
HK$140,140
+HK$8,038/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$264,204/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,290
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$141,999
−HK$3,763/mo
Today · 4.125%
HK$145,762
baseline
▲ 0.50% · 4.625%
HK$153,445
+HK$7,683/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$291,524/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,025
−HK$9,094/mo
▼ 0.25% · 3.875%
HK$149,536
−HK$4,583/mo
Today · 4.125%
HK$154,119
baseline
▲ 0.50% · 4.625%
HK$163,497
+HK$9,378/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,238/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,339
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$165,666
−HK$4,389/mo
Today · 4.125%
HK$170,055
baseline
▲ 0.50% · 4.625%
HK$179,019
+HK$8,964/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,110/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,460
−HK$11,693/mo
▼ 0.25% · 3.875%
HK$192,260
−HK$5,893/mo
Today · 4.125%
HK$198,153
baseline
▲ 0.50% · 4.625%
HK$210,210
+HK$12,057/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$396,306/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,435
−HK$11,207/mo
▼ 0.25% · 3.875%
HK$212,999
−HK$5,643/mo
Today · 4.125%
HK$218,642
baseline
▲ 0.50% · 4.625%
HK$230,167
+HK$11,525/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$437,284/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,721 · Scale 2, in force from 26 Feb 2026)