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$103,182
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,392
−HK$3,261/mo
Today · 4.125%
HK$109,653
baseline
▲ 0.50% · 4.625%
HK$116,325
+HK$6,672/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,306/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,789
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,868
−HK$3,123/mo
Today · 4.125%
HK$120,991
baseline
▲ 0.50% · 4.625%
HK$127,369
+HK$6,378/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$241,982/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,819
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,670
−HK$3,913/mo
Today · 4.125%
HK$131,583
baseline
▲ 0.50% · 4.625%
HK$139,590
+HK$8,007/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,166/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,747
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,442
−HK$3,747/mo
Today · 4.125%
HK$145,189
baseline
▲ 0.50% · 4.625%
HK$152,842
+HK$7,653/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,378/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,455
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,949
−HK$4,565/mo
Today · 4.125%
HK$153,514
baseline
▲ 0.50% · 4.625%
HK$162,855
+HK$9,341/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,028/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,705
−HK$8,683/mo
▼ 0.25% · 3.875%
HK$165,015
−HK$4,373/mo
Today · 4.125%
HK$169,388
baseline
▲ 0.50% · 4.625%
HK$178,316
+HK$8,928/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,776/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,728
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$191,506
−HK$5,869/mo
Today · 4.125%
HK$197,375
baseline
▲ 0.50% · 4.625%
HK$209,385
+HK$12,010/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$394,750/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,621
−HK$11,163/mo
▼ 0.25% · 3.875%
HK$212,162
−HK$5,622/mo
Today · 4.125%
HK$217,784
baseline
▲ 0.50% · 4.625%
HK$229,264
+HK$11,480/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$435,568/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,140 · Scale 2, in force from 26 Feb 2026)