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$103,947
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,181
−HK$3,285/mo
Today · 4.125%
HK$110,466
baseline
▲ 0.50% · 4.625%
HK$117,187
+HK$6,721/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,932/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,640
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,742
−HK$3,146/mo
Today · 4.125%
HK$121,888
baseline
▲ 0.50% · 4.625%
HK$128,313
+HK$6,425/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,776/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,737
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,617
−HK$3,942/mo
Today · 4.125%
HK$132,559
baseline
▲ 0.50% · 4.625%
HK$140,625
+HK$8,066/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$265,118/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,769
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,490
−HK$3,776/mo
Today · 4.125%
HK$146,266
baseline
▲ 0.50% · 4.625%
HK$153,976
+HK$7,710/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$292,532/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,526
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,053
−HK$4,599/mo
Today · 4.125%
HK$154,652
baseline
▲ 0.50% · 4.625%
HK$164,062
+HK$9,410/mo
Deposit HK$13.68M · loan HK$31.91M · min. income ≈ HK$309,304/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,897
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,239
−HK$4,404/mo
Today · 4.125%
HK$170,643
baseline
▲ 0.50% · 4.625%
HK$179,638
+HK$8,995/mo
Deposit HK$13.68M · loan HK$31.91M · min. income ≈ HK$341,286/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,105
−HK$11,733/mo
▼ 0.25% · 3.875%
HK$192,925
−HK$5,913/mo
Today · 4.125%
HK$198,838
baseline
▲ 0.50% · 4.625%
HK$210,937
+HK$12,099/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$397,676/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,153
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$213,735
−HK$5,664/mo
Today · 4.125%
HK$219,399
baseline
▲ 0.50% · 4.625%
HK$230,963
+HK$11,564/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$438,798/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,398 · Scale 2, in force from 26 Feb 2026)