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$104,015
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$3,287/mo
Today · 4.125%
HK$110,538
baseline
▲ 0.50% · 4.625%
HK$117,264
+HK$6,726/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$221,076/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,716
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,819
−HK$3,149/mo
Today · 4.125%
HK$121,968
baseline
▲ 0.50% · 4.625%
HK$128,397
+HK$6,429/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$243,936/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,818
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,701
−HK$3,945/mo
Today · 4.125%
HK$132,646
baseline
▲ 0.50% · 4.625%
HK$140,717
+HK$8,071/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$265,292/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,859
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,583
−HK$3,778/mo
Today · 4.125%
HK$146,361
baseline
▲ 0.50% · 4.625%
HK$154,076
+HK$7,715/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$292,722/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,621
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$150,151
−HK$4,602/mo
Today · 4.125%
HK$154,753
baseline
▲ 0.50% · 4.625%
HK$164,170
+HK$9,417/mo
Deposit HK$13.68M · loan HK$31.93M · min. income ≈ HK$309,506/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,002
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$166,347
−HK$4,408/mo
Today · 4.125%
HK$170,755
baseline
▲ 0.50% · 4.625%
HK$179,756
+HK$9,001/mo
Deposit HK$13.68M · loan HK$31.93M · min. income ≈ HK$341,510/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,228
−HK$11,740/mo
▼ 0.25% · 3.875%
HK$193,051
−HK$5,917/mo
Today · 4.125%
HK$198,968
baseline
▲ 0.50% · 4.625%
HK$211,075
+HK$12,107/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$397,936/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,289
−HK$11,253/mo
▼ 0.25% · 3.875%
HK$213,875
−HK$5,667/mo
Today · 4.125%
HK$219,542
baseline
▲ 0.50% · 4.625%
HK$231,114
+HK$11,572/mo
Deposit HK$4.56M · loan HK$41.05M · min. income ≈ HK$439,084/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,664 · Scale 2, in force from 26 Feb 2026)