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$104,698
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,955
−HK$3,309/mo
Today · 4.125%
HK$111,264
baseline
▲ 0.50% · 4.625%
HK$118,034
+HK$6,770/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,528/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,476
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,600
−HK$3,169/mo
Today · 4.125%
HK$122,769
baseline
▲ 0.50% · 4.625%
HK$129,240
+HK$6,471/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,538/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,638
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,546
−HK$3,971/mo
Today · 4.125%
HK$133,517
baseline
▲ 0.50% · 4.625%
HK$141,641
+HK$8,124/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,034/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,771
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,520
−HK$3,802/mo
Today · 4.125%
HK$147,322
baseline
▲ 0.50% · 4.625%
HK$155,088
+HK$7,766/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,644/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,578
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,137
−HK$4,632/mo
Today · 4.125%
HK$155,769
baseline
▲ 0.50% · 4.625%
HK$165,248
+HK$9,479/mo
Deposit HK$13.77M · loan HK$32.14M · min. income ≈ HK$311,538/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,066
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,440
−HK$4,436/mo
Today · 4.125%
HK$171,876
baseline
▲ 0.50% · 4.625%
HK$180,936
+HK$9,060/mo
Deposit HK$13.77M · loan HK$32.14M · min. income ≈ HK$343,752/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,457
−HK$11,818/mo
▼ 0.25% · 3.875%
HK$194,319
−HK$5,956/mo
Today · 4.125%
HK$200,275
baseline
▲ 0.50% · 4.625%
HK$212,461
+HK$12,186/mo
Deposit HK$4.59M · loan HK$41.32M · min. income ≈ HK$400,550/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,657
−HK$11,327/mo
▼ 0.25% · 3.875%
HK$215,279
−HK$5,705/mo
Today · 4.125%
HK$220,984
baseline
▲ 0.50% · 4.625%
HK$232,632
+HK$11,648/mo
Deposit HK$4.59M · loan HK$41.32M · min. income ≈ HK$441,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,395 · Scale 2, in force from 26 Feb 2026)