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$104,771
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,030
−HK$3,311/mo
Today · 4.125%
HK$111,341
baseline
▲ 0.50% · 4.625%
HK$118,116
+HK$6,775/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$222,682/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,557
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,683
−HK$3,171/mo
Today · 4.125%
HK$122,854
baseline
▲ 0.50% · 4.625%
HK$129,330
+HK$6,476/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$245,708/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,725
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,636
−HK$3,973/mo
Today · 4.125%
HK$133,609
baseline
▲ 0.50% · 4.625%
HK$141,739
+HK$8,130/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$267,218/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,868
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,619
−HK$3,806/mo
Today · 4.125%
HK$147,425
baseline
▲ 0.50% · 4.625%
HK$155,195
+HK$7,770/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$294,850/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,679
−HK$9,198/mo
▼ 0.25% · 3.875%
HK$151,242
−HK$4,635/mo
Today · 4.125%
HK$155,877
baseline
▲ 0.50% · 4.625%
HK$165,362
+HK$9,485/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$311,754/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,179
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$167,556
−HK$4,439/mo
Today · 4.125%
HK$171,995
baseline
▲ 0.50% · 4.625%
HK$181,061
+HK$9,066/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$343,990/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,588
−HK$11,826/mo
▼ 0.25% · 3.875%
HK$194,454
−HK$5,960/mo
Today · 4.125%
HK$200,414
baseline
▲ 0.50% · 4.625%
HK$212,608
+HK$12,194/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$400,828/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,802
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$215,429
−HK$5,708/mo
Today · 4.125%
HK$221,137
baseline
▲ 0.50% · 4.625%
HK$232,793
+HK$11,656/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$442,274/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,747 · Scale 2, in force from 26 Feb 2026)