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$104,480
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,730
−HK$3,302/mo
Today · 4.125%
HK$111,032
baseline
▲ 0.50% · 4.625%
HK$117,788
+HK$6,756/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$222,064/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,233
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,350
−HK$3,162/mo
Today · 4.125%
HK$122,512
baseline
▲ 0.50% · 4.625%
HK$128,970
+HK$6,458/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$245,024/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,376
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,276
−HK$3,962/mo
Today · 4.125%
HK$133,238
baseline
▲ 0.50% · 4.625%
HK$141,345
+HK$8,107/mo
Deposit HK$18.33M · loan HK$27.49M · min. income ≈ HK$266,476/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,479
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,220
−HK$3,795/mo
Today · 4.125%
HK$147,015
baseline
▲ 0.50% · 4.625%
HK$154,764
+HK$7,749/mo
Deposit HK$18.33M · loan HK$27.49M · min. income ≈ HK$294,030/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,272
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,822
−HK$4,622/mo
Today · 4.125%
HK$155,444
baseline
▲ 0.50% · 4.625%
HK$164,903
+HK$9,459/mo
Deposit HK$13.75M · loan HK$32.07M · min. income ≈ HK$310,888/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,726
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,090
−HK$4,427/mo
Today · 4.125%
HK$171,517
baseline
▲ 0.50% · 4.625%
HK$180,558
+HK$9,041/mo
Deposit HK$13.75M · loan HK$32.07M · min. income ≈ HK$343,034/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,064
−HK$11,793/mo
▼ 0.25% · 3.875%
HK$193,914
−HK$5,943/mo
Today · 4.125%
HK$199,857
baseline
▲ 0.50% · 4.625%
HK$212,018
+HK$12,161/mo
Deposit HK$4.58M · loan HK$41.24M · min. income ≈ HK$399,714/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,219
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$214,830
−HK$5,692/mo
Today · 4.125%
HK$220,522
baseline
▲ 0.50% · 4.625%
HK$232,146
+HK$11,624/mo
Deposit HK$4.58M · loan HK$41.24M · min. income ≈ HK$441,044/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,947,322 · Scale 2, in force from 26 Feb 2026)