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$104,045
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,282
−HK$3,288/mo
Today · 4.125%
HK$110,570
baseline
▲ 0.50% · 4.625%
HK$117,298
+HK$6,728/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$221,140/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,750
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,854
−HK$3,149/mo
Today · 4.125%
HK$122,003
baseline
▲ 0.50% · 4.625%
HK$128,434
+HK$6,431/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$244,006/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,855
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,738
−HK$3,946/mo
Today · 4.125%
HK$132,684
baseline
▲ 0.50% · 4.625%
HK$140,758
+HK$8,074/mo
Deposit HK$18.25M · loan HK$27.38M · min. income ≈ HK$265,368/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,899
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,625
−HK$3,779/mo
Today · 4.125%
HK$146,404
baseline
▲ 0.50% · 4.625%
HK$154,121
+HK$7,717/mo
Deposit HK$18.25M · loan HK$27.38M · min. income ≈ HK$292,808/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,664
−HK$9,134/mo
▼ 0.25% · 3.875%
HK$150,195
−HK$4,603/mo
Today · 4.125%
HK$154,798
baseline
▲ 0.50% · 4.625%
HK$164,217
+HK$9,419/mo
Deposit HK$13.69M · loan HK$31.94M · min. income ≈ HK$309,596/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,049
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$166,395
−HK$4,409/mo
Today · 4.125%
HK$170,804
baseline
▲ 0.50% · 4.625%
HK$179,808
+HK$9,004/mo
Deposit HK$13.69M · loan HK$31.94M · min. income ≈ HK$341,608/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,282
−HK$11,744/mo
▼ 0.25% · 3.875%
HK$193,107
−HK$5,919/mo
Today · 4.125%
HK$199,026
baseline
▲ 0.50% · 4.625%
HK$211,136
+HK$12,110/mo
Deposit HK$4.56M · loan HK$41.07M · min. income ≈ HK$398,052/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,349
−HK$11,257/mo
▼ 0.25% · 3.875%
HK$213,937
−HK$5,669/mo
Today · 4.125%
HK$219,606
baseline
▲ 0.50% · 4.625%
HK$231,181
+HK$11,575/mo
Deposit HK$4.56M · loan HK$41.07M · min. income ≈ HK$439,212/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,226 · Scale 2, in force from 26 Feb 2026)