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$104,137
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,376
−HK$3,291/mo
Today · 4.125%
HK$110,667
baseline
▲ 0.50% · 4.625%
HK$117,401
+HK$6,734/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$221,334/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,851
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,958
−HK$3,152/mo
Today · 4.125%
HK$122,110
baseline
▲ 0.50% · 4.625%
HK$128,547
+HK$6,437/mo
Deposit HK$22.83M · loan HK$22.83M · min. income ≈ HK$244,220/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,964
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,851
−HK$3,949/mo
Today · 4.125%
HK$132,800
baseline
▲ 0.50% · 4.625%
HK$140,881
+HK$8,081/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,600/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,021
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,750
−HK$3,782/mo
Today · 4.125%
HK$146,532
baseline
▲ 0.50% · 4.625%
HK$154,256
+HK$7,724/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,064/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,791
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$150,326
−HK$4,608/mo
Today · 4.125%
HK$154,934
baseline
▲ 0.50% · 4.625%
HK$164,361
+HK$9,427/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,868/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,191
−HK$8,763/mo
▼ 0.25% · 3.875%
HK$166,541
−HK$4,413/mo
Today · 4.125%
HK$170,954
baseline
▲ 0.50% · 4.625%
HK$179,965
+HK$9,011/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,908/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,446
−HK$11,754/mo
▼ 0.25% · 3.875%
HK$193,277
−HK$5,923/mo
Today · 4.125%
HK$199,200
baseline
▲ 0.50% · 4.625%
HK$211,321
+HK$12,121/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$398,400/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,532
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$214,124
−HK$5,674/mo
Today · 4.125%
HK$219,798
baseline
▲ 0.50% · 4.625%
HK$231,384
+HK$11,586/mo
Deposit HK$4.57M · loan HK$41.10M · min. income ≈ HK$439,596/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,926 · Scale 2, in force from 26 Feb 2026)