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$102,949
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,152
−HK$3,253/mo
Today · 4.125%
HK$109,405
baseline
▲ 0.50% · 4.625%
HK$116,062
+HK$6,657/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$218,810/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,530
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,602
−HK$3,116/mo
Today · 4.125%
HK$120,718
baseline
▲ 0.50% · 4.625%
HK$127,081
+HK$6,363/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$241,436/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,539
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,382
−HK$3,904/mo
Today · 4.125%
HK$131,286
baseline
▲ 0.50% · 4.625%
HK$139,275
+HK$7,989/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$262,572/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,436
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,122
−HK$3,739/mo
Today · 4.125%
HK$144,861
baseline
▲ 0.50% · 4.625%
HK$152,497
+HK$7,636/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$289,722/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,129
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$148,612
−HK$4,555/mo
Today · 4.125%
HK$153,167
baseline
▲ 0.50% · 4.625%
HK$162,487
+HK$9,320/mo
Deposit HK$13.54M · loan HK$31.60M · min. income ≈ HK$306,334/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,342
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$164,643
−HK$4,362/mo
Today · 4.125%
HK$169,005
baseline
▲ 0.50% · 4.625%
HK$177,913
+HK$8,908/mo
Deposit HK$13.54M · loan HK$31.60M · min. income ≈ HK$338,010/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,309
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$191,073
−HK$5,856/mo
Today · 4.125%
HK$196,929
baseline
▲ 0.50% · 4.625%
HK$208,912
+HK$11,983/mo
Deposit HK$4.51M · loan HK$40.63M · min. income ≈ HK$393,858/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,154
−HK$11,138/mo
▼ 0.25% · 3.875%
HK$211,683
−HK$5,609/mo
Today · 4.125%
HK$217,292
baseline
▲ 0.50% · 4.625%
HK$228,746
+HK$11,454/mo
Deposit HK$4.51M · loan HK$40.63M · min. income ≈ HK$434,584/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,797 · Scale 2, in force from 26 Feb 2026)