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$103,926
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,159
−HK$3,284/mo
Today · 4.125%
HK$110,443
baseline
▲ 0.50% · 4.625%
HK$117,163
+HK$6,720/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,886/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,617
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,717
−HK$3,146/mo
Today · 4.125%
HK$121,863
baseline
▲ 0.50% · 4.625%
HK$128,287
+HK$6,424/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,726/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,711
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,590
−HK$3,942/mo
Today · 4.125%
HK$132,532
baseline
▲ 0.50% · 4.625%
HK$140,596
+HK$8,064/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$265,064/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,740
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,461
−HK$3,775/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$153,944
+HK$7,708/mo
Deposit HK$18.23M · loan HK$27.35M · min. income ≈ HK$292,472/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,496
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,022
−HK$4,598/mo
Today · 4.125%
HK$154,620
baseline
▲ 0.50% · 4.625%
HK$164,029
+HK$9,409/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,240/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,863
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,204
−HK$4,404/mo
Today · 4.125%
HK$170,608
baseline
▲ 0.50% · 4.625%
HK$179,601
+HK$8,993/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,216/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,067
−HK$11,730/mo
▼ 0.25% · 3.875%
HK$192,886
−HK$5,911/mo
Today · 4.125%
HK$198,797
baseline
▲ 0.50% · 4.625%
HK$210,894
+HK$12,097/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$397,594/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,110
−HK$11,243/mo
▼ 0.25% · 3.875%
HK$213,691
−HK$5,662/mo
Today · 4.125%
HK$219,353
baseline
▲ 0.50% · 4.625%
HK$230,916
+HK$11,563/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$438,706/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,999 · Scale 2, in force from 26 Feb 2026)