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$103,927
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,159
−HK$3,285/mo
Today · 4.125%
HK$110,444
baseline
▲ 0.50% · 4.625%
HK$117,164
+HK$6,720/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,888/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,617
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,718
−HK$3,146/mo
Today · 4.125%
HK$121,864
baseline
▲ 0.50% · 4.625%
HK$128,287
+HK$6,423/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,728/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,712
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,941/mo
Today · 4.125%
HK$132,532
baseline
▲ 0.50% · 4.625%
HK$140,597
+HK$8,065/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$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,741
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,462
−HK$3,774/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$153,945
+HK$7,709/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$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,497
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,023
−HK$4,598/mo
Today · 4.125%
HK$154,621
baseline
▲ 0.50% · 4.625%
HK$164,029
+HK$9,408/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,242/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,864
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,205
−HK$4,404/mo
Today · 4.125%
HK$170,609
baseline
▲ 0.50% · 4.625%
HK$179,602
+HK$8,993/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,218/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,068
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$192,887
−HK$5,912/mo
Today · 4.125%
HK$198,799
baseline
▲ 0.50% · 4.625%
HK$210,895
+HK$12,096/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$397,598/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,111
−HK$11,244/mo
▼ 0.25% · 3.875%
HK$213,692
−HK$5,663/mo
Today · 4.125%
HK$219,355
baseline
▲ 0.50% · 4.625%
HK$230,917
+HK$11,562/mo
Deposit HK$4.56M · loan HK$41.02M · min. income ≈ HK$438,710/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,937,010 · Scale 2, in force from 26 Feb 2026)