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$104,388
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,635
−HK$3,299/mo
Today · 4.125%
HK$110,934
baseline
▲ 0.50% · 4.625%
HK$117,684
+HK$6,750/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$221,868/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,131
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,245
−HK$3,160/mo
Today · 4.125%
HK$122,405
baseline
▲ 0.50% · 4.625%
HK$128,857
+HK$6,452/mo
Deposit HK$22.89M · loan HK$22.89M · min. income ≈ HK$244,810/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,266
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,162
−HK$3,959/mo
Today · 4.125%
HK$133,121
baseline
▲ 0.50% · 4.625%
HK$141,221
+HK$8,100/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$266,242/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,357
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,094
−HK$3,792/mo
Today · 4.125%
HK$146,886
baseline
▲ 0.50% · 4.625%
HK$154,628
+HK$7,742/mo
Deposit HK$18.31M · loan HK$27.47M · min. income ≈ HK$293,772/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,143
−HK$9,165/mo
▼ 0.25% · 3.875%
HK$150,689
−HK$4,619/mo
Today · 4.125%
HK$155,308
baseline
▲ 0.50% · 4.625%
HK$164,758
+HK$9,450/mo
Deposit HK$13.73M · loan HK$32.05M · min. income ≈ HK$310,616/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,583
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$166,943
−HK$4,424/mo
Today · 4.125%
HK$171,367
baseline
▲ 0.50% · 4.625%
HK$180,400
+HK$9,033/mo
Deposit HK$13.73M · loan HK$32.05M · min. income ≈ HK$342,734/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,899
−HK$11,783/mo
▼ 0.25% · 3.875%
HK$193,743
−HK$5,939/mo
Today · 4.125%
HK$199,682
baseline
▲ 0.50% · 4.625%
HK$211,832
+HK$12,150/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$399,364/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,035
−HK$11,294/mo
▼ 0.25% · 3.875%
HK$214,642
−HK$5,687/mo
Today · 4.125%
HK$220,329
baseline
▲ 0.50% · 4.625%
HK$231,943
+HK$11,614/mo
Deposit HK$4.58M · loan HK$41.20M · min. income ≈ HK$440,658/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,945,613 · Scale 2, in force from 26 Feb 2026)