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$104,651
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,906
−HK$3,308/mo
Today · 4.125%
HK$111,214
baseline
▲ 0.50% · 4.625%
HK$117,981
+HK$6,767/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$222,428/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,423
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,546
−HK$3,167/mo
Today · 4.125%
HK$122,713
baseline
▲ 0.50% · 4.625%
HK$129,182
+HK$6,469/mo
Deposit HK$22.95M · loan HK$22.95M · min. income ≈ HK$245,426/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,581
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,488
−HK$3,968/mo
Today · 4.125%
HK$133,456
baseline
▲ 0.50% · 4.625%
HK$141,577
+HK$8,121/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$266,912/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,708
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,455
−HK$3,801/mo
Today · 4.125%
HK$147,256
baseline
▲ 0.50% · 4.625%
HK$155,018
+HK$7,762/mo
Deposit HK$18.36M · loan HK$27.54M · min. income ≈ HK$294,512/mo (50% DSR)
Upfront cash ≈ HK$20.31M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,512
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$151,069
−HK$4,630/mo
Today · 4.125%
HK$155,699
baseline
▲ 0.50% · 4.625%
HK$165,173
+HK$9,474/mo
Deposit HK$13.77M · loan HK$32.13M · min. income ≈ HK$311,398/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,993
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$167,364
−HK$4,435/mo
Today · 4.125%
HK$171,799
baseline
▲ 0.50% · 4.625%
HK$180,854
+HK$9,055/mo
Deposit HK$13.77M · loan HK$32.13M · min. income ≈ HK$343,598/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,372
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$194,232
−HK$5,953/mo
Today · 4.125%
HK$200,185
baseline
▲ 0.50% · 4.625%
HK$212,365
+HK$12,180/mo
Deposit HK$4.59M · loan HK$41.31M · min. income ≈ HK$400,370/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,562
−HK$11,322/mo
▼ 0.25% · 3.875%
HK$215,182
−HK$5,702/mo
Today · 4.125%
HK$220,884
baseline
▲ 0.50% · 4.625%
HK$232,527
+HK$11,643/mo
Deposit HK$4.59M · loan HK$41.31M · min. income ≈ HK$441,768/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,950,516 · Scale 2, in force from 26 Feb 2026)