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$104,363
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,609
−HK$3,298/mo
Today · 4.125%
HK$110,907
baseline
▲ 0.50% · 4.625%
HK$117,655
+HK$6,748/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$221,814/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,102
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,216
−HK$3,159/mo
Today · 4.125%
HK$122,375
baseline
▲ 0.50% · 4.625%
HK$128,826
+HK$6,451/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$244,750/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,235
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,131
−HK$3,957/mo
Today · 4.125%
HK$133,088
baseline
▲ 0.50% · 4.625%
HK$141,187
+HK$8,099/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$266,176/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,323
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,059
−HK$3,791/mo
Today · 4.125%
HK$146,850
baseline
▲ 0.50% · 4.625%
HK$154,591
+HK$7,741/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$293,700/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,108
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$150,652
−HK$4,618/mo
Today · 4.125%
HK$155,270
baseline
▲ 0.50% · 4.625%
HK$164,718
+HK$9,448/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$310,540/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,543
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$166,903
−HK$4,422/mo
Today · 4.125%
HK$171,325
baseline
▲ 0.50% · 4.625%
HK$180,356
+HK$9,031/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$342,650/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,853
−HK$11,780/mo
▼ 0.25% · 3.875%
HK$193,696
−HK$5,937/mo
Today · 4.125%
HK$199,633
baseline
▲ 0.50% · 4.625%
HK$211,780
+HK$12,147/mo
Deposit HK$4.58M · loan HK$41.19M · min. income ≈ HK$399,266/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,984
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$214,589
−HK$5,686/mo
Today · 4.125%
HK$220,275
baseline
▲ 0.50% · 4.625%
HK$231,886
+HK$11,611/mo
Deposit HK$4.58M · loan HK$41.19M · min. income ≈ HK$440,550/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,137 · Scale 2, in force from 26 Feb 2026)