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$103,457
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,675
−HK$3,270/mo
Today · 4.125%
HK$109,945
baseline
▲ 0.50% · 4.625%
HK$116,635
+HK$6,690/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$219,890/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,095
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,182
−HK$3,131/mo
Today · 4.125%
HK$121,313
baseline
▲ 0.50% · 4.625%
HK$127,708
+HK$6,395/mo
Deposit HK$22.69M · loan HK$22.69M · min. income ≈ HK$242,626/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,148
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,010
−HK$3,924/mo
Today · 4.125%
HK$131,934
baseline
▲ 0.50% · 4.625%
HK$139,961
+HK$8,027/mo
Deposit HK$18.15M · loan HK$27.22M · min. income ≈ HK$263,868/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,114
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,818
−HK$3,758/mo
Today · 4.125%
HK$145,576
baseline
▲ 0.50% · 4.625%
HK$153,249
+HK$7,673/mo
Deposit HK$18.15M · loan HK$27.22M · min. income ≈ HK$291,152/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,840
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$149,345
−HK$4,577/mo
Today · 4.125%
HK$153,922
baseline
▲ 0.50% · 4.625%
HK$163,288
+HK$9,366/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$307,844/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,133
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$165,454
−HK$4,384/mo
Today · 4.125%
HK$169,838
baseline
▲ 0.50% · 4.625%
HK$178,791
+HK$8,953/mo
Deposit HK$13.61M · loan HK$31.76M · min. income ≈ HK$339,676/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,223
−HK$11,677/mo
▼ 0.25% · 3.875%
HK$192,015
−HK$5,885/mo
Today · 4.125%
HK$197,900
baseline
▲ 0.50% · 4.625%
HK$209,942
+HK$12,042/mo
Deposit HK$4.54M · loan HK$40.83M · min. income ≈ HK$395,800/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,171
−HK$11,193/mo
▼ 0.25% · 3.875%
HK$212,727
−HK$5,637/mo
Today · 4.125%
HK$218,364
baseline
▲ 0.50% · 4.625%
HK$229,874
+HK$11,510/mo
Deposit HK$4.54M · loan HK$40.83M · min. income ≈ HK$436,728/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,928,258 · Scale 2, in force from 26 Feb 2026)