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$104,532
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,784
−HK$3,303/mo
Today · 4.125%
HK$111,087
baseline
▲ 0.50% · 4.625%
HK$117,847
+HK$6,760/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$222,174/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,291
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,410
−HK$3,164/mo
Today · 4.125%
HK$122,574
baseline
▲ 0.50% · 4.625%
HK$129,035
+HK$6,461/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$245,148/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,439
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,341
−HK$3,964/mo
Today · 4.125%
HK$133,305
baseline
▲ 0.50% · 4.625%
HK$141,416
+HK$8,111/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$266,610/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,549
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,292
−HK$3,797/mo
Today · 4.125%
HK$147,089
baseline
▲ 0.50% · 4.625%
HK$154,842
+HK$7,753/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$294,178/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,345
−HK$9,177/mo
▼ 0.25% · 3.875%
HK$150,897
−HK$4,625/mo
Today · 4.125%
HK$155,522
baseline
▲ 0.50% · 4.625%
HK$164,986
+HK$9,464/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$311,044/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,808
−HK$8,796/mo
▼ 0.25% · 3.875%
HK$167,174
−HK$4,430/mo
Today · 4.125%
HK$171,604
baseline
▲ 0.50% · 4.625%
HK$180,649
+HK$9,045/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$343,208/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,158
−HK$11,799/mo
▼ 0.25% · 3.875%
HK$194,011
−HK$5,946/mo
Today · 4.125%
HK$199,957
baseline
▲ 0.50% · 4.625%
HK$212,124
+HK$12,167/mo
Deposit HK$4.58M · loan HK$41.26M · min. income ≈ HK$399,914/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,324
−HK$11,309/mo
▼ 0.25% · 3.875%
HK$214,938
−HK$5,695/mo
Today · 4.125%
HK$220,633
baseline
▲ 0.50% · 4.625%
HK$232,263
+HK$11,630/mo
Deposit HK$4.58M · loan HK$41.26M · min. income ≈ HK$441,266/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,301 · Scale 2, in force from 26 Feb 2026)