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$103,699
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,924
−HK$3,277/mo
Today · 4.125%
HK$110,201
baseline
▲ 0.50% · 4.625%
HK$116,907
+HK$6,706/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$220,402/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,364
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,458
−HK$3,138/mo
Today · 4.125%
HK$121,596
baseline
▲ 0.50% · 4.625%
HK$128,006
+HK$6,410/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$243,192/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,438
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,309
−HK$3,933/mo
Today · 4.125%
HK$132,242
baseline
▲ 0.50% · 4.625%
HK$140,288
+HK$8,046/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$264,484/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,436
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,149
−HK$3,767/mo
Today · 4.125%
HK$145,916
baseline
▲ 0.50% · 4.625%
HK$153,607
+HK$7,691/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$291,832/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,178
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,694
−HK$4,588/mo
Today · 4.125%
HK$154,282
baseline
▲ 0.50% · 4.625%
HK$163,670
+HK$9,388/mo
Deposit HK$13.64M · loan HK$31.83M · min. income ≈ HK$308,564/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,509
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,841
−HK$4,394/mo
Today · 4.125%
HK$170,235
baseline
▲ 0.50% · 4.625%
HK$179,208
+HK$8,973/mo
Deposit HK$13.64M · loan HK$31.83M · min. income ≈ HK$340,470/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,658
−HK$11,705/mo
▼ 0.25% · 3.875%
HK$192,464
−HK$5,899/mo
Today · 4.125%
HK$198,363
baseline
▲ 0.50% · 4.625%
HK$210,433
+HK$12,070/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$396,726/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,655
−HK$11,219/mo
▼ 0.25% · 3.875%
HK$213,224
−HK$5,650/mo
Today · 4.125%
HK$218,874
baseline
▲ 0.50% · 4.625%
HK$230,411
+HK$11,537/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$437,748/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,763 · Scale 2, in force from 26 Feb 2026)