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$104,326
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,572
−HK$3,297/mo
Today · 4.125%
HK$110,869
baseline
▲ 0.50% · 4.625%
HK$117,615
+HK$6,746/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$221,738/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,062
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,175
−HK$3,158/mo
Today · 4.125%
HK$122,333
baseline
▲ 0.50% · 4.625%
HK$128,781
+HK$6,448/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$244,666/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,192
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,086
−HK$3,956/mo
Today · 4.125%
HK$133,042
baseline
▲ 0.50% · 4.625%
HK$141,138
+HK$8,096/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$266,084/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,275
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,010
−HK$3,789/mo
Today · 4.125%
HK$146,799
baseline
▲ 0.50% · 4.625%
HK$154,537
+HK$7,738/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$293,598/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,057
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,600
−HK$4,616/mo
Today · 4.125%
HK$155,216
baseline
▲ 0.50% · 4.625%
HK$164,661
+HK$9,445/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$310,432/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,487
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$166,845
−HK$4,421/mo
Today · 4.125%
HK$171,266
baseline
▲ 0.50% · 4.625%
HK$180,293
+HK$9,027/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$342,532/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,788
−HK$11,776/mo
▼ 0.25% · 3.875%
HK$193,629
−HK$5,935/mo
Today · 4.125%
HK$199,564
baseline
▲ 0.50% · 4.625%
HK$211,707
+HK$12,143/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$399,128/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,912
−HK$11,287/mo
▼ 0.25% · 3.875%
HK$214,515
−HK$5,684/mo
Today · 4.125%
HK$220,199
baseline
▲ 0.50% · 4.625%
HK$231,806
+HK$11,607/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$440,398/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,464 · Scale 2, in force from 26 Feb 2026)