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$104,774
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$3,311/mo
Today · 4.125%
HK$111,345
baseline
▲ 0.50% · 4.625%
HK$118,120
+HK$6,775/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$222,690/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,561
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,171/mo
Today · 4.125%
HK$122,858
baseline
▲ 0.50% · 4.625%
HK$129,334
+HK$6,476/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$245,716/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,729
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,640
−HK$3,974/mo
Today · 4.125%
HK$133,614
baseline
▲ 0.50% · 4.625%
HK$141,744
+HK$8,130/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$267,228/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,873
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,624
−HK$3,806/mo
Today · 4.125%
HK$147,430
baseline
▲ 0.50% · 4.625%
HK$155,201
+HK$7,771/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$294,860/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,684
−HK$9,199/mo
▼ 0.25% · 3.875%
HK$151,247
−HK$4,636/mo
Today · 4.125%
HK$155,883
baseline
▲ 0.50% · 4.625%
HK$165,368
+HK$9,485/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$311,766/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,185
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$167,561
−HK$4,440/mo
Today · 4.125%
HK$172,001
baseline
▲ 0.50% · 4.625%
HK$181,068
+HK$9,067/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$344,002/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,594
−HK$11,827/mo
▼ 0.25% · 3.875%
HK$194,460
−HK$5,961/mo
Today · 4.125%
HK$200,421
baseline
▲ 0.50% · 4.625%
HK$212,616
+HK$12,195/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$400,842/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,809
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$215,436
−HK$5,708/mo
Today · 4.125%
HK$221,144
baseline
▲ 0.50% · 4.625%
HK$232,801
+HK$11,657/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$442,288/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,814 · Scale 2, in force from 26 Feb 2026)