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$102,702
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,896
−HK$3,246/mo
Today · 4.125%
HK$109,142
baseline
▲ 0.50% · 4.625%
HK$115,783
+HK$6,641/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,284/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,254
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,319
−HK$3,108/mo
Today · 4.125%
HK$120,427
baseline
▲ 0.50% · 4.625%
HK$126,775
+HK$6,348/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,854/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,242
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,075
−HK$3,895/mo
Today · 4.125%
HK$130,970
baseline
▲ 0.50% · 4.625%
HK$138,939
+HK$7,969/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$261,940/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,105
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,782
−HK$3,731/mo
Today · 4.125%
HK$144,513
baseline
▲ 0.50% · 4.625%
HK$152,130
+HK$7,617/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$289,026/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,782
−HK$9,017/mo
▼ 0.25% · 3.875%
HK$148,255
−HK$4,544/mo
Today · 4.125%
HK$152,799
baseline
▲ 0.50% · 4.625%
HK$162,096
+HK$9,297/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,598/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,956
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,246
−HK$4,352/mo
Today · 4.125%
HK$168,598
baseline
▲ 0.50% · 4.625%
HK$177,485
+HK$8,887/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,196/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,863
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,613
−HK$5,842/mo
Today · 4.125%
HK$196,455
baseline
▲ 0.50% · 4.625%
HK$208,409
+HK$11,954/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$392,910/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,658
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$211,174
−HK$5,595/mo
Today · 4.125%
HK$216,769
baseline
▲ 0.50% · 4.625%
HK$228,195
+HK$11,426/mo
Deposit HK$4.50M · loan HK$40.54M · min. income ≈ HK$433,538/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,178 · Scale 2, in force from 26 Feb 2026)