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$102,967
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,170
−HK$3,254/mo
Today · 4.125%
HK$109,424
baseline
▲ 0.50% · 4.625%
HK$116,082
+HK$6,658/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$218,848/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,549
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,622
−HK$3,116/mo
Today · 4.125%
HK$120,738
baseline
▲ 0.50% · 4.625%
HK$127,102
+HK$6,364/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$241,476/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,560
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$127,404
−HK$3,904/mo
Today · 4.125%
HK$131,308
baseline
▲ 0.50% · 4.625%
HK$139,298
+HK$7,990/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$262,616/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,459
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,146
−HK$3,740/mo
Today · 4.125%
HK$144,886
baseline
▲ 0.50% · 4.625%
HK$152,523
+HK$7,637/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$289,772/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,153
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$148,637
−HK$4,556/mo
Today · 4.125%
HK$153,193
baseline
▲ 0.50% · 4.625%
HK$162,515
+HK$9,322/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$306,386/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,369
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,670
−HK$4,364/mo
Today · 4.125%
HK$169,034
baseline
▲ 0.50% · 4.625%
HK$177,943
+HK$8,909/mo
Deposit HK$13.55M · loan HK$31.61M · min. income ≈ HK$338,068/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,340
−HK$11,623/mo
▼ 0.25% · 3.875%
HK$191,105
−HK$5,858/mo
Today · 4.125%
HK$196,963
baseline
▲ 0.50% · 4.625%
HK$208,947
+HK$11,984/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$393,926/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,189
−HK$11,140/mo
▼ 0.25% · 3.875%
HK$211,719
−HK$5,610/mo
Today · 4.125%
HK$217,329
baseline
▲ 0.50% · 4.625%
HK$228,784
+HK$11,455/mo
Deposit HK$4.52M · loan HK$40.64M · min. income ≈ HK$434,658/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,919,121 · Scale 2, in force from 26 Feb 2026)