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$103,969
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,203
−HK$3,286/mo
Today · 4.125%
HK$110,489
baseline
▲ 0.50% · 4.625%
HK$117,212
+HK$6,723/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,978/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,665
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,767
−HK$3,147/mo
Today · 4.125%
HK$121,914
baseline
▲ 0.50% · 4.625%
HK$128,340
+HK$6,426/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,828/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,763
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,644
−HK$3,943/mo
Today · 4.125%
HK$132,587
baseline
▲ 0.50% · 4.625%
HK$140,655
+HK$8,068/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,174/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,798
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,520
−HK$3,777/mo
Today · 4.125%
HK$146,297
baseline
▲ 0.50% · 4.625%
HK$154,008
+HK$7,711/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,594/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,557
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$150,085
−HK$4,600/mo
Today · 4.125%
HK$154,685
baseline
▲ 0.50% · 4.625%
HK$164,097
+HK$9,412/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,370/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,931
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,274
−HK$4,405/mo
Today · 4.125%
HK$170,679
baseline
▲ 0.50% · 4.625%
HK$179,676
+HK$8,997/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,358/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,145
−HK$11,735/mo
▼ 0.25% · 3.875%
HK$192,966
−HK$5,914/mo
Today · 4.125%
HK$198,880
baseline
▲ 0.50% · 4.625%
HK$210,982
+HK$12,102/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$397,760/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,197
−HK$11,248/mo
▼ 0.25% · 3.875%
HK$213,780
−HK$5,665/mo
Today · 4.125%
HK$219,445
baseline
▲ 0.50% · 4.625%
HK$231,012
+HK$11,567/mo
Deposit HK$4.56M · loan HK$41.04M · min. income ≈ HK$438,890/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,807 · Scale 2, in force from 26 Feb 2026)