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$104,855
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,116
−HK$3,314/mo
Today · 4.125%
HK$111,430
baseline
▲ 0.50% · 4.625%
HK$118,210
+HK$6,780/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$222,860/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,650
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,778
−HK$3,174/mo
Today · 4.125%
HK$122,952
baseline
▲ 0.50% · 4.625%
HK$129,433
+HK$6,481/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$245,904/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,826
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,740
−HK$3,976/mo
Today · 4.125%
HK$133,716
baseline
▲ 0.50% · 4.625%
HK$141,853
+HK$8,137/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$267,432/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,980
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,734
−HK$3,809/mo
Today · 4.125%
HK$147,543
baseline
▲ 0.50% · 4.625%
HK$155,320
+HK$7,777/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$295,086/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,797
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$151,363
−HK$4,639/mo
Today · 4.125%
HK$156,002
baseline
▲ 0.50% · 4.625%
HK$165,495
+HK$9,493/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$312,004/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,310
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$167,690
−HK$4,443/mo
Today · 4.125%
HK$172,133
baseline
▲ 0.50% · 4.625%
HK$181,206
+HK$9,073/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$344,266/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,739
−HK$11,835/mo
▼ 0.25% · 3.875%
HK$194,610
−HK$5,964/mo
Today · 4.125%
HK$200,574
baseline
▲ 0.50% · 4.625%
HK$212,779
+HK$12,205/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$401,148/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,970
−HK$11,344/mo
▼ 0.25% · 3.875%
HK$215,601
−HK$5,713/mo
Today · 4.125%
HK$221,314
baseline
▲ 0.50% · 4.625%
HK$232,980
+HK$11,666/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$442,628/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,312 · Scale 2, in force from 26 Feb 2026)