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$104,757
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,016
−HK$3,311/mo
Today · 4.125%
HK$111,327
baseline
▲ 0.50% · 4.625%
HK$118,101
+HK$6,774/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$222,654/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,542
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,667
−HK$3,171/mo
Today · 4.125%
HK$122,838
baseline
▲ 0.50% · 4.625%
HK$129,313
+HK$6,475/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$245,676/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,709
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,619
−HK$3,973/mo
Today · 4.125%
HK$133,592
baseline
▲ 0.50% · 4.625%
HK$141,721
+HK$8,129/mo
Deposit HK$18.38M · loan HK$27.56M · min. income ≈ HK$267,184/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,850
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,601
−HK$3,805/mo
Today · 4.125%
HK$147,406
baseline
▲ 0.50% · 4.625%
HK$155,176
+HK$7,770/mo
Deposit HK$18.38M · loan HK$27.56M · min. income ≈ HK$294,812/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,660
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$151,222
−HK$4,635/mo
Today · 4.125%
HK$155,857
baseline
▲ 0.50% · 4.625%
HK$165,341
+HK$9,484/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$311,714/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,158
−HK$8,815/mo
▼ 0.25% · 3.875%
HK$167,534
−HK$4,439/mo
Today · 4.125%
HK$171,973
baseline
▲ 0.50% · 4.625%
HK$181,038
+HK$9,065/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$343,946/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,563
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$194,429
−HK$5,959/mo
Today · 4.125%
HK$200,388
baseline
▲ 0.50% · 4.625%
HK$212,581
+HK$12,193/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$400,776/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,775
−HK$11,333/mo
▼ 0.25% · 3.875%
HK$215,401
−HK$5,707/mo
Today · 4.125%
HK$221,108
baseline
▲ 0.50% · 4.625%
HK$232,763
+HK$11,655/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$442,216/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,497 · Scale 2, in force from 26 Feb 2026)