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$103,139
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,347
−HK$3,259/mo
Today · 4.125%
HK$109,606
baseline
▲ 0.50% · 4.625%
HK$116,276
+HK$6,670/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$219,212/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,741
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,818
−HK$3,122/mo
Today · 4.125%
HK$120,940
baseline
▲ 0.50% · 4.625%
HK$127,315
+HK$6,375/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$241,880/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,766
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,616
−HK$3,911/mo
Today · 4.125%
HK$131,527
baseline
▲ 0.50% · 4.625%
HK$139,531
+HK$8,004/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$263,054/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,689
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,381
−HK$3,747/mo
Today · 4.125%
HK$145,128
baseline
▲ 0.50% · 4.625%
HK$152,777
+HK$7,649/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$290,256/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,394
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$148,885
−HK$4,564/mo
Today · 4.125%
HK$153,449
baseline
▲ 0.50% · 4.625%
HK$162,786
+HK$9,337/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$306,898/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,637
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$164,945
−HK$4,371/mo
Today · 4.125%
HK$169,316
baseline
▲ 0.50% · 4.625%
HK$178,240
+HK$8,924/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$338,632/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,649
−HK$11,642/mo
▼ 0.25% · 3.875%
HK$191,424
−HK$5,867/mo
Today · 4.125%
HK$197,291
baseline
▲ 0.50% · 4.625%
HK$209,296
+HK$12,005/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$394,582/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,533
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$212,072
−HK$5,619/mo
Today · 4.125%
HK$217,691
baseline
▲ 0.50% · 4.625%
HK$229,166
+HK$11,475/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$435,382/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,323 · Scale 2, in force from 26 Feb 2026)