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$103,914
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,147
−HK$3,284/mo
Today · 4.125%
HK$110,431
baseline
▲ 0.50% · 4.625%
HK$117,150
+HK$6,719/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$220,862/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,604
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$118,704
−HK$3,145/mo
Today · 4.125%
HK$121,849
baseline
▲ 0.50% · 4.625%
HK$128,272
+HK$6,423/mo
Deposit HK$22.79M · loan HK$22.79M · min. income ≈ HK$243,698/mo (50% DSR)
Upfront cash ≈ HK$24.72M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,697
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,576
−HK$3,941/mo
Today · 4.125%
HK$132,517
baseline
▲ 0.50% · 4.625%
HK$140,580
+HK$8,063/mo
Deposit HK$18.23M · loan HK$27.34M · min. income ≈ HK$265,034/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,724
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,445
−HK$3,774/mo
Today · 4.125%
HK$146,219
baseline
▲ 0.50% · 4.625%
HK$153,927
+HK$7,708/mo
Deposit HK$18.23M · loan HK$27.34M · min. income ≈ HK$292,438/mo (50% DSR)
Upfront cash ≈ HK$20.17M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,480
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,005
−HK$4,598/mo
Today · 4.125%
HK$154,603
baseline
▲ 0.50% · 4.625%
HK$164,010
+HK$9,407/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$309,206/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,845
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$166,186
−HK$4,403/mo
Today · 4.125%
HK$170,589
baseline
▲ 0.50% · 4.625%
HK$179,581
+HK$8,992/mo
Deposit HK$13.67M · loan HK$31.90M · min. income ≈ HK$341,178/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,046
−HK$11,729/mo
▼ 0.25% · 3.875%
HK$192,864
−HK$5,911/mo
Today · 4.125%
HK$198,775
baseline
▲ 0.50% · 4.625%
HK$210,870
+HK$12,095/mo
Deposit HK$4.56M · loan HK$41.01M · min. income ≈ HK$397,550/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,087
−HK$11,242/mo
▼ 0.25% · 3.875%
HK$213,667
−HK$5,662/mo
Today · 4.125%
HK$219,329
baseline
▲ 0.50% · 4.625%
HK$230,890
+HK$11,561/mo
Deposit HK$4.56M · loan HK$41.01M · min. income ≈ HK$438,658/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,936,782 · Scale 2, in force from 26 Feb 2026)