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$104,383
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,629
−HK$3,299/mo
Today · 4.125%
HK$110,928
baseline
▲ 0.50% · 4.625%
HK$117,678
+HK$6,750/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$221,856/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,125
−HK$6,273/mo
▼ 0.25% · 3.875%
HK$119,239
−HK$3,159/mo
Today · 4.125%
HK$122,398
baseline
▲ 0.50% · 4.625%
HK$128,850
+HK$6,452/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$244,796/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,259
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,155
−HK$3,959/mo
Today · 4.125%
HK$133,114
baseline
▲ 0.50% · 4.625%
HK$141,214
+HK$8,100/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$266,228/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,349
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,087
−HK$3,791/mo
Today · 4.125%
HK$146,878
baseline
▲ 0.50% · 4.625%
HK$154,620
+HK$7,742/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$293,756/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,136
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$150,681
−HK$4,619/mo
Today · 4.125%
HK$155,300
baseline
▲ 0.50% · 4.625%
HK$164,749
+HK$9,449/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$310,600/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,574
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$166,934
−HK$4,424/mo
Today · 4.125%
HK$171,358
baseline
▲ 0.50% · 4.625%
HK$180,390
+HK$9,032/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$342,716/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,889
−HK$11,782/mo
▼ 0.25% · 3.875%
HK$193,733
−HK$5,938/mo
Today · 4.125%
HK$199,671
baseline
▲ 0.50% · 4.625%
HK$211,820
+HK$12,149/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$399,342/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,024
−HK$11,293/mo
▼ 0.25% · 3.875%
HK$214,630
−HK$5,687/mo
Today · 4.125%
HK$220,317
baseline
▲ 0.50% · 4.625%
HK$231,930
+HK$11,613/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$440,634/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,509 · Scale 2, in force from 26 Feb 2026)