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$103,886
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,118
−HK$3,283/mo
Today · 4.125%
HK$110,401
baseline
▲ 0.50% · 4.625%
HK$117,118
+HK$6,717/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$220,802/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,572
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,672
−HK$3,144/mo
Today · 4.125%
HK$121,816
baseline
▲ 0.50% · 4.625%
HK$128,237
+HK$6,421/mo
Deposit HK$22.78M · loan HK$22.78M · min. income ≈ HK$243,632/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,663
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,541
−HK$3,940/mo
Today · 4.125%
HK$132,481
baseline
▲ 0.50% · 4.625%
HK$140,542
+HK$8,061/mo
Deposit HK$18.22M · loan HK$27.34M · min. income ≈ HK$264,962/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,687
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,406
−HK$3,774/mo
Today · 4.125%
HK$146,180
baseline
▲ 0.50% · 4.625%
HK$153,885
+HK$7,705/mo
Deposit HK$18.22M · loan HK$27.34M · min. income ≈ HK$292,360/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,441
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,965
−HK$4,596/mo
Today · 4.125%
HK$154,561
baseline
▲ 0.50% · 4.625%
HK$163,966
+HK$9,405/mo
Deposit HK$13.67M · loan HK$31.89M · min. income ≈ HK$309,122/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,801
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$166,141
−HK$4,402/mo
Today · 4.125%
HK$170,543
baseline
▲ 0.50% · 4.625%
HK$179,532
+HK$8,989/mo
Deposit HK$13.67M · loan HK$31.89M · min. income ≈ HK$341,086/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,995
−HK$11,726/mo
▼ 0.25% · 3.875%
HK$192,812
−HK$5,909/mo
Today · 4.125%
HK$198,721
baseline
▲ 0.50% · 4.625%
HK$210,813
+HK$12,092/mo
Deposit HK$4.56M · loan HK$41.00M · min. income ≈ HK$397,442/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,030
−HK$11,239/mo
▼ 0.25% · 3.875%
HK$213,609
−HK$5,660/mo
Today · 4.125%
HK$219,269
baseline
▲ 0.50% · 4.625%
HK$230,827
+HK$11,558/mo
Deposit HK$4.56M · loan HK$41.00M · min. income ≈ HK$438,538/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,257 · Scale 2, in force from 26 Feb 2026)