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$104,236
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,479
−HK$3,294/mo
Today · 4.125%
HK$110,773
baseline
▲ 0.50% · 4.625%
HK$117,513
+HK$6,740/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$221,546/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,962
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,072
−HK$3,155/mo
Today · 4.125%
HK$122,227
baseline
▲ 0.50% · 4.625%
HK$128,670
+HK$6,443/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$244,454/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,084
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$128,974
−HK$3,954/mo
Today · 4.125%
HK$132,928
baseline
▲ 0.50% · 4.625%
HK$141,016
+HK$8,088/mo
Deposit HK$18.29M · loan HK$27.43M · min. income ≈ HK$265,856/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,154
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$142,886
−HK$3,786/mo
Today · 4.125%
HK$146,672
baseline
▲ 0.50% · 4.625%
HK$154,404
+HK$7,732/mo
Deposit HK$18.29M · loan HK$27.43M · min. income ≈ HK$293,344/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,931
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,470
−HK$4,612/mo
Today · 4.125%
HK$155,082
baseline
▲ 0.50% · 4.625%
HK$164,518
+HK$9,436/mo
Deposit HK$13.71M · loan HK$32.00M · min. income ≈ HK$310,164/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,347
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$166,701
−HK$4,417/mo
Today · 4.125%
HK$171,118
baseline
▲ 0.50% · 4.625%
HK$180,138
+HK$9,020/mo
Deposit HK$13.71M · loan HK$32.00M · min. income ≈ HK$342,236/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,626
−HK$11,765/mo
▼ 0.25% · 3.875%
HK$193,462
−HK$5,929/mo
Today · 4.125%
HK$199,391
baseline
▲ 0.50% · 4.625%
HK$211,524
+HK$12,133/mo
Deposit HK$4.57M · loan HK$41.14M · min. income ≈ HK$398,782/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,732
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$214,330
−HK$5,679/mo
Today · 4.125%
HK$220,009
baseline
▲ 0.50% · 4.625%
HK$231,606
+HK$11,597/mo
Deposit HK$4.57M · loan HK$41.14M · min. income ≈ HK$440,018/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,942,785 · Scale 2, in force from 26 Feb 2026)