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$102,915
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,116
−HK$3,252/mo
Today · 4.125%
HK$109,368
baseline
▲ 0.50% · 4.625%
HK$116,023
+HK$6,655/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$218,736/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,492
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,562
−HK$3,115/mo
Today · 4.125%
HK$120,677
baseline
▲ 0.50% · 4.625%
HK$127,038
+HK$6,361/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$241,354/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,498
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,339
−HK$3,903/mo
Today · 4.125%
HK$131,242
baseline
▲ 0.50% · 4.625%
HK$139,228
+HK$7,986/mo
Deposit HK$18.05M · loan HK$27.08M · min. income ≈ HK$262,484/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,390
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,075
−HK$3,738/mo
Today · 4.125%
HK$144,813
baseline
▲ 0.50% · 4.625%
HK$152,446
+HK$7,633/mo
Deposit HK$18.05M · loan HK$27.08M · min. income ≈ HK$289,626/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,081
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$148,562
−HK$4,554/mo
Today · 4.125%
HK$153,116
baseline
▲ 0.50% · 4.625%
HK$162,432
+HK$9,316/mo
Deposit HK$13.54M · loan HK$31.59M · min. income ≈ HK$306,232/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,288
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$164,587
−HK$4,361/mo
Today · 4.125%
HK$168,948
baseline
▲ 0.50% · 4.625%
HK$177,854
+HK$8,906/mo
Deposit HK$13.54M · loan HK$31.59M · min. income ≈ HK$337,896/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,246
−HK$11,617/mo
▼ 0.25% · 3.875%
HK$191,009
−HK$5,854/mo
Today · 4.125%
HK$196,863
baseline
▲ 0.50% · 4.625%
HK$208,842
+HK$11,979/mo
Deposit HK$4.51M · loan HK$40.62M · min. income ≈ HK$393,726/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,085
−HK$11,134/mo
▼ 0.25% · 3.875%
HK$211,612
−HK$5,607/mo
Today · 4.125%
HK$217,219
baseline
▲ 0.50% · 4.625%
HK$228,669
+HK$11,450/mo
Deposit HK$4.51M · loan HK$40.62M · min. income ≈ HK$434,438/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,150 · Scale 2, in force from 26 Feb 2026)