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$102,757
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,954
−HK$3,247/mo
Today · 4.125%
HK$109,201
baseline
▲ 0.50% · 4.625%
HK$115,846
+HK$6,645/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$218,402/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,317
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,382
−HK$3,111/mo
Today · 4.125%
HK$120,493
baseline
▲ 0.50% · 4.625%
HK$126,844
+HK$6,351/mo
Deposit HK$22.53M · loan HK$22.53M · min. income ≈ HK$240,986/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,309
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,144
−HK$3,897/mo
Today · 4.125%
HK$131,041
baseline
▲ 0.50% · 4.625%
HK$139,015
+HK$7,974/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$262,082/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,180
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,859
−HK$3,732/mo
Today · 4.125%
HK$144,591
baseline
▲ 0.50% · 4.625%
HK$152,213
+HK$7,622/mo
Deposit HK$18.03M · loan HK$27.04M · min. income ≈ HK$289,182/mo (50% DSR)
Upfront cash ≈ HK$19.94M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,860
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,335
−HK$4,547/mo
Today · 4.125%
HK$152,882
baseline
▲ 0.50% · 4.625%
HK$162,184
+HK$9,302/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$305,764/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,043
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,335
−HK$4,355/mo
Today · 4.125%
HK$168,690
baseline
▲ 0.50% · 4.625%
HK$177,582
+HK$8,892/mo
Deposit HK$13.52M · loan HK$31.54M · min. income ≈ HK$337,380/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,963
−HK$11,599/mo
▼ 0.25% · 3.875%
HK$190,717
−HK$5,845/mo
Today · 4.125%
HK$196,562
baseline
▲ 0.50% · 4.625%
HK$208,522
+HK$11,960/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$393,124/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,770
−HK$11,117/mo
▼ 0.25% · 3.875%
HK$211,288
−HK$5,599/mo
Today · 4.125%
HK$216,887
baseline
▲ 0.50% · 4.625%
HK$228,319
+HK$11,432/mo
Deposit HK$4.51M · loan HK$40.56M · min. income ≈ HK$433,774/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,915,218 · Scale 2, in force from 26 Feb 2026)