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$104,766
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,025
−HK$3,311/mo
Today · 4.125%
HK$111,336
baseline
▲ 0.50% · 4.625%
HK$118,110
+HK$6,774/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$222,672/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,551
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,677
−HK$3,171/mo
Today · 4.125%
HK$122,848
baseline
▲ 0.50% · 4.625%
HK$129,323
+HK$6,475/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$245,696/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,719
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,630
−HK$3,973/mo
Today · 4.125%
HK$133,603
baseline
▲ 0.50% · 4.625%
HK$141,732
+HK$8,129/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$267,206/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,861
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,612
−HK$3,805/mo
Today · 4.125%
HK$147,417
baseline
▲ 0.50% · 4.625%
HK$155,188
+HK$7,771/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$294,834/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,672
−HK$9,198/mo
▼ 0.25% · 3.875%
HK$151,234
−HK$4,636/mo
Today · 4.125%
HK$155,870
baseline
▲ 0.50% · 4.625%
HK$165,354
+HK$9,484/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$311,740/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,171
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$167,547
−HK$4,440/mo
Today · 4.125%
HK$171,987
baseline
▲ 0.50% · 4.625%
HK$181,053
+HK$9,066/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$343,974/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,578
−HK$11,826/mo
▼ 0.25% · 3.875%
HK$194,444
−HK$5,960/mo
Today · 4.125%
HK$200,404
baseline
▲ 0.50% · 4.625%
HK$212,598
+HK$12,194/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$400,808/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,792
−HK$11,334/mo
▼ 0.25% · 3.875%
HK$215,418
−HK$5,708/mo
Today · 4.125%
HK$221,126
baseline
▲ 0.50% · 4.625%
HK$232,782
+HK$11,656/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$442,252/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,652 · Scale 2, in force from 26 Feb 2026)