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$104,378
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,624
−HK$3,299/mo
Today · 4.125%
HK$110,923
baseline
▲ 0.50% · 4.625%
HK$117,673
+HK$6,750/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$221,846/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,119
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,233
−HK$3,160/mo
Today · 4.125%
HK$122,393
baseline
▲ 0.50% · 4.625%
HK$128,844
+HK$6,451/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$244,786/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,253
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,149
−HK$3,959/mo
Today · 4.125%
HK$133,108
baseline
▲ 0.50% · 4.625%
HK$141,207
+HK$8,099/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$266,216/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,343
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,080
−HK$3,791/mo
Today · 4.125%
HK$146,871
baseline
▲ 0.50% · 4.625%
HK$154,613
+HK$7,742/mo
Deposit HK$18.31M · loan HK$27.46M · min. income ≈ HK$293,742/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,129
−HK$9,163/mo
▼ 0.25% · 3.875%
HK$150,674
−HK$4,618/mo
Today · 4.125%
HK$155,292
baseline
▲ 0.50% · 4.625%
HK$164,742
+HK$9,450/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$310,584/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,567
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,927
−HK$4,423/mo
Today · 4.125%
HK$171,350
baseline
▲ 0.50% · 4.625%
HK$180,382
+HK$9,032/mo
Deposit HK$13.73M · loan HK$32.04M · min. income ≈ HK$342,700/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,880
−HK$11,782/mo
▼ 0.25% · 3.875%
HK$193,724
−HK$5,938/mo
Today · 4.125%
HK$199,662
baseline
▲ 0.50% · 4.625%
HK$211,811
+HK$12,149/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$399,324/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,015
−HK$11,292/mo
▼ 0.25% · 3.875%
HK$214,620
−HK$5,687/mo
Today · 4.125%
HK$220,307
baseline
▲ 0.50% · 4.625%
HK$231,920
+HK$11,613/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$440,614/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,419 · Scale 2, in force from 26 Feb 2026)