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$104,116
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,355
−HK$3,290/mo
Today · 4.125%
HK$110,645
baseline
▲ 0.50% · 4.625%
HK$117,378
+HK$6,733/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,290/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,828
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,935
−HK$3,151/mo
Today · 4.125%
HK$122,086
baseline
▲ 0.50% · 4.625%
HK$128,521
+HK$6,435/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,172/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,939
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,826
−HK$3,948/mo
Today · 4.125%
HK$132,774
baseline
▲ 0.50% · 4.625%
HK$140,853
+HK$8,079/mo
Deposit HK$18.26M · loan HK$27.40M · min. income ≈ HK$265,548/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,994
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,722
−HK$3,781/mo
Today · 4.125%
HK$146,503
baseline
▲ 0.50% · 4.625%
HK$154,226
+HK$7,723/mo
Deposit HK$18.26M · loan HK$27.40M · min. income ≈ HK$293,006/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,763
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,297
−HK$4,606/mo
Today · 4.125%
HK$154,903
baseline
▲ 0.50% · 4.625%
HK$164,329
+HK$9,426/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$309,806/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,160
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,509
−HK$4,412/mo
Today · 4.125%
HK$170,921
baseline
▲ 0.50% · 4.625%
HK$179,930
+HK$9,009/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$341,842/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,409
−HK$11,752/mo
▼ 0.25% · 3.875%
HK$193,239
−HK$5,922/mo
Today · 4.125%
HK$199,161
baseline
▲ 0.50% · 4.625%
HK$211,280
+HK$12,119/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$398,322/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,491
−HK$11,264/mo
▼ 0.25% · 3.875%
HK$214,082
−HK$5,673/mo
Today · 4.125%
HK$219,755
baseline
▲ 0.50% · 4.625%
HK$231,339
+HK$11,584/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$439,510/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,545 · Scale 2, in force from 26 Feb 2026)