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$104,841
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,102
−HK$3,314/mo
Today · 4.125%
HK$111,416
baseline
▲ 0.50% · 4.625%
HK$118,195
+HK$6,779/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$222,832/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,635
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,763
−HK$3,173/mo
Today · 4.125%
HK$122,936
baseline
▲ 0.50% · 4.625%
HK$129,416
+HK$6,480/mo
Deposit HK$22.99M · loan HK$22.99M · min. income ≈ HK$245,872/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,809
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,723
−HK$3,976/mo
Today · 4.125%
HK$133,699
baseline
▲ 0.50% · 4.625%
HK$141,834
+HK$8,135/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$267,398/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,962
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,715
−HK$3,808/mo
Today · 4.125%
HK$147,523
baseline
▲ 0.50% · 4.625%
HK$155,300
+HK$7,777/mo
Deposit HK$18.39M · loan HK$27.59M · min. income ≈ HK$295,046/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,778
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$151,343
−HK$4,639/mo
Today · 4.125%
HK$155,982
baseline
▲ 0.50% · 4.625%
HK$165,473
+HK$9,491/mo
Deposit HK$13.79M · loan HK$32.18M · min. income ≈ HK$311,964/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,289
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$167,668
−HK$4,443/mo
Today · 4.125%
HK$172,111
baseline
▲ 0.50% · 4.625%
HK$181,183
+HK$9,072/mo
Deposit HK$13.79M · loan HK$32.18M · min. income ≈ HK$344,222/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,714
−HK$11,834/mo
▼ 0.25% · 3.875%
HK$194,584
−HK$5,964/mo
Today · 4.125%
HK$200,548
baseline
▲ 0.50% · 4.625%
HK$212,751
+HK$12,203/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$401,096/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,943
−HK$11,342/mo
▼ 0.25% · 3.875%
HK$215,573
−HK$5,712/mo
Today · 4.125%
HK$221,285
baseline
▲ 0.50% · 4.625%
HK$232,949
+HK$11,664/mo
Deposit HK$4.60M · loan HK$41.38M · min. income ≈ HK$442,570/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,058 · Scale 2, in force from 26 Feb 2026)