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$103,283
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,495
−HK$3,264/mo
Today · 4.125%
HK$109,759
baseline
▲ 0.50% · 4.625%
HK$116,438
+HK$6,679/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,518/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,901
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,983
−HK$3,126/mo
Today · 4.125%
HK$121,109
baseline
▲ 0.50% · 4.625%
HK$127,493
+HK$6,384/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,218/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,939
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,795
−HK$3,916/mo
Today · 4.125%
HK$131,711
baseline
▲ 0.50% · 4.625%
HK$139,726
+HK$8,015/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$263,422/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,881
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,579
−HK$3,752/mo
Today · 4.125%
HK$145,331
baseline
▲ 0.50% · 4.625%
HK$152,991
+HK$7,660/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$290,662/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,596
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,094
−HK$4,569/mo
Today · 4.125%
HK$153,663
baseline
▲ 0.50% · 4.625%
HK$163,013
+HK$9,350/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$307,326/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,861
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,176
−HK$4,376/mo
Today · 4.125%
HK$169,552
baseline
▲ 0.50% · 4.625%
HK$178,490
+HK$8,938/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$339,104/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,909
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$191,692
−HK$5,875/mo
Today · 4.125%
HK$197,567
baseline
▲ 0.50% · 4.625%
HK$209,589
+HK$12,022/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,134/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,822
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$212,369
−HK$5,627/mo
Today · 4.125%
HK$217,996
baseline
▲ 0.50% · 4.625%
HK$229,487
+HK$11,491/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,992/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,925,011 · Scale 2, in force from 26 Feb 2026)