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$103,794
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,023
−HK$3,280/mo
Today · 4.125%
HK$110,303
baseline
▲ 0.50% · 4.625%
HK$117,015
+HK$6,712/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,606/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,470
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$118,567
−HK$3,141/mo
Today · 4.125%
HK$121,708
baseline
▲ 0.50% · 4.625%
HK$128,124
+HK$6,416/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,416/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,553
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,427
−HK$3,937/mo
Today · 4.125%
HK$132,364
baseline
▲ 0.50% · 4.625%
HK$140,418
+HK$8,054/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$264,728/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,564
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,280
−HK$3,770/mo
Today · 4.125%
HK$146,050
baseline
▲ 0.50% · 4.625%
HK$153,749
+HK$7,699/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$292,100/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,312
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,832
−HK$4,592/mo
Today · 4.125%
HK$154,424
baseline
▲ 0.50% · 4.625%
HK$163,821
+HK$9,397/mo
Deposit HK$13.66M · loan HK$31.86M · min. income ≈ HK$308,848/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,658
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,994
−HK$4,398/mo
Today · 4.125%
HK$170,392
baseline
▲ 0.50% · 4.625%
HK$179,373
+HK$8,981/mo
Deposit HK$13.66M · loan HK$31.86M · min. income ≈ HK$340,784/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,829
−HK$11,716/mo
▼ 0.25% · 3.875%
HK$192,641
−HK$5,904/mo
Today · 4.125%
HK$198,545
baseline
▲ 0.50% · 4.625%
HK$210,626
+HK$12,081/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$397,090/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,846
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$213,420
−HK$5,655/mo
Today · 4.125%
HK$219,075
baseline
▲ 0.50% · 4.625%
HK$230,623
+HK$11,548/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$438,150/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,542 · Scale 2, in force from 26 Feb 2026)