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$103,673
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,897
−HK$3,277/mo
Today · 4.125%
HK$110,174
baseline
▲ 0.50% · 4.625%
HK$116,878
+HK$6,704/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$220,348/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,335
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,428
−HK$3,138/mo
Today · 4.125%
HK$121,566
baseline
▲ 0.50% · 4.625%
HK$127,974
+HK$6,408/mo
Deposit HK$22.73M · loan HK$22.73M · min. income ≈ HK$243,132/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,407
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,277
−HK$3,931/mo
Today · 4.125%
HK$132,208
baseline
▲ 0.50% · 4.625%
HK$140,253
+HK$8,045/mo
Deposit HK$18.19M · loan HK$27.28M · min. income ≈ HK$264,416/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,402
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,113
−HK$3,766/mo
Today · 4.125%
HK$145,879
baseline
▲ 0.50% · 4.625%
HK$153,569
+HK$7,690/mo
Deposit HK$18.19M · loan HK$27.28M · min. income ≈ HK$291,758/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,142
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,656
−HK$4,587/mo
Today · 4.125%
HK$154,243
baseline
▲ 0.50% · 4.625%
HK$163,629
+HK$9,386/mo
Deposit HK$13.64M · loan HK$31.83M · min. income ≈ HK$308,486/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,469
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,799
−HK$4,393/mo
Today · 4.125%
HK$170,192
baseline
▲ 0.50% · 4.625%
HK$179,163
+HK$8,971/mo
Deposit HK$13.64M · loan HK$31.83M · min. income ≈ HK$340,384/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,611
−HK$11,702/mo
▼ 0.25% · 3.875%
HK$192,415
−HK$5,898/mo
Today · 4.125%
HK$198,313
baseline
▲ 0.50% · 4.625%
HK$210,380
+HK$12,067/mo
Deposit HK$4.55M · loan HK$40.92M · min. income ≈ HK$396,626/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,602
−HK$11,217/mo
▼ 0.25% · 3.875%
HK$213,170
−HK$5,649/mo
Today · 4.125%
HK$218,819
baseline
▲ 0.50% · 4.625%
HK$230,353
+HK$11,534/mo
Deposit HK$4.55M · loan HK$40.92M · min. income ≈ HK$437,638/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,276 · Scale 2, in force from 26 Feb 2026)