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$103,145
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,354
−HK$3,260/mo
Today · 4.125%
HK$109,614
baseline
▲ 0.50% · 4.625%
HK$116,283
+HK$6,669/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$219,228/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,748
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,826
−HK$3,122/mo
Today · 4.125%
HK$120,948
baseline
▲ 0.50% · 4.625%
HK$127,323
+HK$6,375/mo
Deposit HK$22.62M · loan HK$22.62M · min. income ≈ HK$241,896/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,775
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,625
−HK$3,911/mo
Today · 4.125%
HK$131,536
baseline
▲ 0.50% · 4.625%
HK$139,540
+HK$8,004/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$263,072/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,698
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,391
−HK$3,746/mo
Today · 4.125%
HK$145,137
baseline
▲ 0.50% · 4.625%
HK$152,788
+HK$7,651/mo
Deposit HK$18.09M · loan HK$27.14M · min. income ≈ HK$290,274/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,404
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$148,895
−HK$4,564/mo
Today · 4.125%
HK$153,459
baseline
▲ 0.50% · 4.625%
HK$162,797
+HK$9,338/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$306,918/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,648
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$164,956
−HK$4,371/mo
Today · 4.125%
HK$169,327
baseline
▲ 0.50% · 4.625%
HK$178,252
+HK$8,925/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$338,654/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,662
−HK$11,643/mo
▼ 0.25% · 3.875%
HK$191,437
−HK$5,868/mo
Today · 4.125%
HK$197,305
baseline
▲ 0.50% · 4.625%
HK$209,310
+HK$12,005/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$394,610/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,547
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$212,086
−HK$5,620/mo
Today · 4.125%
HK$217,706
baseline
▲ 0.50% · 4.625%
HK$229,182
+HK$11,476/mo
Deposit HK$4.52M · loan HK$40.71M · min. income ≈ HK$435,412/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,922,452 · Scale 2, in force from 26 Feb 2026)