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$104,263
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,506
−HK$3,295/mo
Today · 4.125%
HK$110,801
baseline
▲ 0.50% · 4.625%
HK$117,543
+HK$6,742/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$221,602/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,991
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,102
−HK$3,156/mo
Today · 4.125%
HK$122,258
baseline
▲ 0.50% · 4.625%
HK$128,702
+HK$6,444/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$244,516/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,115
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,007
−HK$3,954/mo
Today · 4.125%
HK$132,961
baseline
▲ 0.50% · 4.625%
HK$141,052
+HK$8,091/mo
Deposit HK$18.29M · loan HK$27.43M · min. income ≈ HK$265,922/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,190
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,923
−HK$3,787/mo
Today · 4.125%
HK$146,710
baseline
▲ 0.50% · 4.625%
HK$154,443
+HK$7,733/mo
Deposit HK$18.29M · loan HK$27.43M · min. income ≈ HK$293,420/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,968
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$150,509
−HK$4,613/mo
Today · 4.125%
HK$155,122
baseline
▲ 0.50% · 4.625%
HK$164,560
+HK$9,438/mo
Deposit HK$13.72M · loan HK$32.01M · min. income ≈ HK$310,244/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,388
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$166,743
−HK$4,418/mo
Today · 4.125%
HK$171,161
baseline
▲ 0.50% · 4.625%
HK$180,183
+HK$9,022/mo
Deposit HK$13.72M · loan HK$32.01M · min. income ≈ HK$342,322/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,673
−HK$11,769/mo
▼ 0.25% · 3.875%
HK$193,511
−HK$5,931/mo
Today · 4.125%
HK$199,442
baseline
▲ 0.50% · 4.625%
HK$211,578
+HK$12,136/mo
Deposit HK$4.57M · loan HK$41.15M · min. income ≈ HK$398,884/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,785
−HK$11,280/mo
▼ 0.25% · 3.875%
HK$214,384
−HK$5,681/mo
Today · 4.125%
HK$220,065
baseline
▲ 0.50% · 4.625%
HK$231,664
+HK$11,599/mo
Deposit HK$4.57M · loan HK$41.15M · min. income ≈ HK$440,130/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,279 · Scale 2, in force from 26 Feb 2026)