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$104,705
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,962
−HK$3,309/mo
Today · 4.125%
HK$111,271
baseline
▲ 0.50% · 4.625%
HK$118,042
+HK$6,771/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$222,542/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,483
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,607
−HK$3,170/mo
Today · 4.125%
HK$122,777
baseline
▲ 0.50% · 4.625%
HK$129,248
+HK$6,471/mo
Deposit HK$22.96M · loan HK$22.96M · min. income ≈ HK$245,554/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,646
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,554
−HK$3,971/mo
Today · 4.125%
HK$133,525
baseline
▲ 0.50% · 4.625%
HK$141,650
+HK$8,125/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$267,050/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,780
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,529
−HK$3,803/mo
Today · 4.125%
HK$147,332
baseline
▲ 0.50% · 4.625%
HK$155,098
+HK$7,766/mo
Deposit HK$18.37M · loan HK$27.55M · min. income ≈ HK$294,664/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,587
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$151,147
−HK$4,632/mo
Today · 4.125%
HK$155,779
baseline
▲ 0.50% · 4.625%
HK$165,258
+HK$9,479/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$311,558/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,077
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,450
−HK$4,437/mo
Today · 4.125%
HK$171,887
baseline
▲ 0.50% · 4.625%
HK$180,948
+HK$9,061/mo
Deposit HK$13.78M · loan HK$32.14M · min. income ≈ HK$343,774/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,469
−HK$11,819/mo
▼ 0.25% · 3.875%
HK$194,332
−HK$5,956/mo
Today · 4.125%
HK$200,288
baseline
▲ 0.50% · 4.625%
HK$212,475
+HK$12,187/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$400,576/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,670
−HK$11,328/mo
▼ 0.25% · 3.875%
HK$215,293
−HK$5,705/mo
Today · 4.125%
HK$220,998
baseline
▲ 0.50% · 4.625%
HK$232,647
+HK$11,649/mo
Deposit HK$4.59M · loan HK$41.33M · min. income ≈ HK$441,996/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,951,520 · Scale 2, in force from 26 Feb 2026)