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$104,519
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,770
−HK$3,303/mo
Today · 4.125%
HK$111,073
baseline
▲ 0.50% · 4.625%
HK$117,832
+HK$6,759/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$222,146/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,277
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,395
−HK$3,164/mo
Today · 4.125%
HK$122,559
baseline
▲ 0.50% · 4.625%
HK$129,019
+HK$6,460/mo
Deposit HK$22.92M · loan HK$22.92M · min. income ≈ HK$245,118/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,423
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,324
−HK$3,964/mo
Today · 4.125%
HK$133,288
baseline
▲ 0.50% · 4.625%
HK$141,398
+HK$8,110/mo
Deposit HK$18.33M · loan HK$27.50M · min. income ≈ HK$266,576/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,532
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,274
−HK$3,796/mo
Today · 4.125%
HK$147,070
baseline
▲ 0.50% · 4.625%
HK$154,823
+HK$7,753/mo
Deposit HK$18.33M · loan HK$27.50M · min. income ≈ HK$294,140/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,327
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$150,878
−HK$4,625/mo
Today · 4.125%
HK$155,503
baseline
▲ 0.50% · 4.625%
HK$164,965
+HK$9,462/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$311,006/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,787
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$167,153
−HK$4,429/mo
Today · 4.125%
HK$171,582
baseline
▲ 0.50% · 4.625%
HK$180,626
+HK$9,044/mo
Deposit HK$13.75M · loan HK$32.09M · min. income ≈ HK$343,164/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,135
−HK$11,797/mo
▼ 0.25% · 3.875%
HK$193,987
−HK$5,945/mo
Today · 4.125%
HK$199,932
baseline
▲ 0.50% · 4.625%
HK$212,098
+HK$12,166/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$399,864/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,298
−HK$11,308/mo
▼ 0.25% · 3.875%
HK$214,911
−HK$5,695/mo
Today · 4.125%
HK$220,606
baseline
▲ 0.50% · 4.625%
HK$232,234
+HK$11,628/mo
Deposit HK$4.58M · loan HK$41.25M · min. income ≈ HK$441,212/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,056 · Scale 2, in force from 26 Feb 2026)