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$103,603
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,825
−HK$3,274/mo
Today · 4.125%
HK$110,099
baseline
▲ 0.50% · 4.625%
HK$116,799
+HK$6,700/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$220,198/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,257
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,348
−HK$3,136/mo
Today · 4.125%
HK$121,484
baseline
▲ 0.50% · 4.625%
HK$127,887
+HK$6,403/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$242,968/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,323
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,190
−HK$3,929/mo
Today · 4.125%
HK$132,119
baseline
▲ 0.50% · 4.625%
HK$140,158
+HK$8,039/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$264,238/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,308
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,018
−HK$3,763/mo
Today · 4.125%
HK$145,781
baseline
▲ 0.50% · 4.625%
HK$153,465
+HK$7,684/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$291,562/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,044
−HK$9,095/mo
▼ 0.25% · 3.875%
HK$149,555
−HK$4,584/mo
Today · 4.125%
HK$154,139
baseline
▲ 0.50% · 4.625%
HK$163,518
+HK$9,379/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,278/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,360
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$165,687
−HK$4,390/mo
Today · 4.125%
HK$170,077
baseline
▲ 0.50% · 4.625%
HK$179,042
+HK$8,965/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,154/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,485
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$192,285
−HK$5,894/mo
Today · 4.125%
HK$198,179
baseline
▲ 0.50% · 4.625%
HK$210,238
+HK$12,059/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$396,358/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,462
−HK$11,209/mo
▼ 0.25% · 3.875%
HK$213,026
−HK$5,645/mo
Today · 4.125%
HK$218,671
baseline
▲ 0.50% · 4.625%
HK$230,197
+HK$11,526/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$437,342/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,972 · Scale 2, in force from 26 Feb 2026)