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$104,080
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,317
−HK$3,290/mo
Today · 4.125%
HK$110,607
baseline
▲ 0.50% · 4.625%
HK$117,337
+HK$6,730/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$221,214/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,788
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,893
−HK$3,151/mo
Today · 4.125%
HK$122,044
baseline
▲ 0.50% · 4.625%
HK$128,477
+HK$6,433/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$244,088/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,896
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$128,781
−HK$3,947/mo
Today · 4.125%
HK$132,728
baseline
▲ 0.50% · 4.625%
HK$140,804
+HK$8,076/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$265,456/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,945
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$142,672
−HK$3,780/mo
Today · 4.125%
HK$146,452
baseline
▲ 0.50% · 4.625%
HK$154,172
+HK$7,720/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$292,904/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,712
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$150,244
−HK$4,605/mo
Today · 4.125%
HK$154,849
baseline
▲ 0.50% · 4.625%
HK$164,272
+HK$9,423/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$309,698/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,103
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$166,451
−HK$4,410/mo
Today · 4.125%
HK$170,861
baseline
▲ 0.50% · 4.625%
HK$179,867
+HK$9,006/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$341,722/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,344
−HK$11,748/mo
▼ 0.25% · 3.875%
HK$193,171
−HK$5,921/mo
Today · 4.125%
HK$199,092
baseline
▲ 0.50% · 4.625%
HK$211,206
+HK$12,114/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$398,184/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,418
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$214,008
−HK$5,670/mo
Today · 4.125%
HK$219,678
baseline
▲ 0.50% · 4.625%
HK$231,258
+HK$11,580/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$439,356/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,939,869 · Scale 2, in force from 26 Feb 2026)