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$104,330
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,575
−HK$3,297/mo
Today · 4.125%
HK$110,872
baseline
▲ 0.50% · 4.625%
HK$117,619
+HK$6,747/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$221,744/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,066
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,179
−HK$3,158/mo
Today · 4.125%
HK$122,337
baseline
▲ 0.50% · 4.625%
HK$128,785
+HK$6,448/mo
Deposit HK$22.88M · loan HK$22.88M · min. income ≈ HK$244,674/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,196
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,090
−HK$3,957/mo
Today · 4.125%
HK$133,047
baseline
▲ 0.50% · 4.625%
HK$141,142
+HK$8,095/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$266,094/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,279
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,015
−HK$3,789/mo
Today · 4.125%
HK$146,804
baseline
▲ 0.50% · 4.625%
HK$154,542
+HK$7,738/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$293,608/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,062
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,605
−HK$4,616/mo
Today · 4.125%
HK$155,221
baseline
▲ 0.50% · 4.625%
HK$164,666
+HK$9,445/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$310,442/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,493
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,850
−HK$4,421/mo
Today · 4.125%
HK$171,271
baseline
▲ 0.50% · 4.625%
HK$180,299
+HK$9,028/mo
Deposit HK$13.73M · loan HK$32.03M · min. income ≈ HK$342,542/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,794
−HK$11,776/mo
▼ 0.25% · 3.875%
HK$193,635
−HK$5,935/mo
Today · 4.125%
HK$199,570
baseline
▲ 0.50% · 4.625%
HK$211,714
+HK$12,144/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$399,140/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,919
−HK$11,287/mo
▼ 0.25% · 3.875%
HK$214,522
−HK$5,684/mo
Today · 4.125%
HK$220,206
baseline
▲ 0.50% · 4.625%
HK$231,814
+HK$11,608/mo
Deposit HK$4.58M · loan HK$41.18M · min. income ≈ HK$440,412/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,530 · Scale 2, in force from 26 Feb 2026)