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$104,096
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,334
−HK$3,290/mo
Today · 4.125%
HK$110,624
baseline
▲ 0.50% · 4.625%
HK$117,355
+HK$6,731/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,248/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,806
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,911
−HK$3,151/mo
Today · 4.125%
HK$122,062
baseline
▲ 0.50% · 4.625%
HK$128,496
+HK$6,434/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,124/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,915
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,801
−HK$3,947/mo
Today · 4.125%
HK$132,748
baseline
▲ 0.50% · 4.625%
HK$140,826
+HK$8,078/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$265,496/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,967
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,694
−HK$3,781/mo
Today · 4.125%
HK$146,475
baseline
▲ 0.50% · 4.625%
HK$154,196
+HK$7,721/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$292,950/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,734
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$150,267
−HK$4,606/mo
Today · 4.125%
HK$154,873
baseline
▲ 0.50% · 4.625%
HK$164,297
+HK$9,424/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$309,746/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,128
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$166,476
−HK$4,411/mo
Today · 4.125%
HK$170,887
baseline
▲ 0.50% · 4.625%
HK$179,895
+HK$9,008/mo
Deposit HK$13.70M · loan HK$31.96M · min. income ≈ HK$341,774/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,373
−HK$11,749/mo
▼ 0.25% · 3.875%
HK$193,201
−HK$5,921/mo
Today · 4.125%
HK$199,122
baseline
▲ 0.50% · 4.625%
HK$211,239
+HK$12,117/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$398,244/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,450
−HK$11,262/mo
▼ 0.25% · 3.875%
HK$214,041
−HK$5,671/mo
Today · 4.125%
HK$219,712
baseline
▲ 0.50% · 4.625%
HK$231,293
+HK$11,581/mo
Deposit HK$4.57M · loan HK$41.09M · min. income ≈ HK$439,424/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,165 · Scale 2, in force from 26 Feb 2026)