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$104,606
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,860
−HK$3,305/mo
Today · 4.125%
HK$111,165
baseline
▲ 0.50% · 4.625%
HK$117,930
+HK$6,765/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$222,330/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,373
−HK$6,287/mo
▼ 0.25% · 3.875%
HK$119,494
−HK$3,166/mo
Today · 4.125%
HK$122,660
baseline
▲ 0.50% · 4.625%
HK$129,126
+HK$6,466/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$245,320/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,527
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,432
−HK$3,967/mo
Today · 4.125%
HK$133,399
baseline
▲ 0.50% · 4.625%
HK$141,516
+HK$8,117/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$266,798/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,647
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,393
−HK$3,799/mo
Today · 4.125%
HK$147,192
baseline
▲ 0.50% · 4.625%
HK$154,951
+HK$7,759/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$294,384/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,448
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$151,003
−HK$4,629/mo
Today · 4.125%
HK$155,632
baseline
▲ 0.50% · 4.625%
HK$165,102
+HK$9,470/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$311,264/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,922
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$167,292
−HK$4,432/mo
Today · 4.125%
HK$171,724
baseline
▲ 0.50% · 4.625%
HK$180,776
+HK$9,052/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$343,448/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,290
−HK$11,808/mo
▼ 0.25% · 3.875%
HK$194,147
−HK$5,951/mo
Today · 4.125%
HK$200,098
baseline
▲ 0.50% · 4.625%
HK$212,273
+HK$12,175/mo
Deposit HK$4.59M · loan HK$41.29M · min. income ≈ HK$400,196/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,471
−HK$11,317/mo
▼ 0.25% · 3.875%
HK$215,089
−HK$5,699/mo
Today · 4.125%
HK$220,788
baseline
▲ 0.50% · 4.625%
HK$232,426
+HK$11,638/mo
Deposit HK$4.59M · loan HK$41.29M · min. income ≈ HK$441,576/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,670 · Scale 2, in force from 26 Feb 2026)