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$104,311
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,555
−HK$3,297/mo
Today · 4.125%
HK$110,852
baseline
▲ 0.50% · 4.625%
HK$117,597
+HK$6,745/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$221,704/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,045
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,157
−HK$3,157/mo
Today · 4.125%
HK$122,314
baseline
▲ 0.50% · 4.625%
HK$128,762
+HK$6,448/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$244,628/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,173
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,067
−HK$3,955/mo
Today · 4.125%
HK$133,022
baseline
▲ 0.50% · 4.625%
HK$141,116
+HK$8,094/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$266,044/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,254
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,988
−HK$3,789/mo
Today · 4.125%
HK$146,777
baseline
▲ 0.50% · 4.625%
HK$154,514
+HK$7,737/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$293,554/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,035
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,578
−HK$4,615/mo
Today · 4.125%
HK$155,193
baseline
▲ 0.50% · 4.625%
HK$164,636
+HK$9,443/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$310,386/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,463
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$166,820
−HK$4,420/mo
Today · 4.125%
HK$171,240
baseline
▲ 0.50% · 4.625%
HK$180,266
+HK$9,026/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$342,480/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,759
−HK$11,775/mo
▼ 0.25% · 3.875%
HK$193,600
−HK$5,934/mo
Today · 4.125%
HK$199,534
baseline
▲ 0.50% · 4.625%
HK$211,675
+HK$12,141/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$399,068/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,880
−HK$11,286/mo
▼ 0.25% · 3.875%
HK$214,483
−HK$5,683/mo
Today · 4.125%
HK$220,166
baseline
▲ 0.50% · 4.625%
HK$231,771
+HK$11,605/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$440,332/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,171 · Scale 2, in force from 26 Feb 2026)