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$104,298
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,543
−HK$3,296/mo
Today · 4.125%
HK$110,839
baseline
▲ 0.50% · 4.625%
HK$117,583
+HK$6,744/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$221,678/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,031
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,143
−HK$3,157/mo
Today · 4.125%
HK$122,300
baseline
▲ 0.50% · 4.625%
HK$128,746
+HK$6,446/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$244,600/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,158
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,051
−HK$3,955/mo
Today · 4.125%
HK$133,006
baseline
▲ 0.50% · 4.625%
HK$141,100
+HK$8,094/mo
Deposit HK$18.30M · loan HK$27.44M · min. income ≈ HK$266,012/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,237
−HK$7,522/mo
▼ 0.25% · 3.875%
HK$142,971
−HK$3,788/mo
Today · 4.125%
HK$146,759
baseline
▲ 0.50% · 4.625%
HK$154,495
+HK$7,736/mo
Deposit HK$18.30M · loan HK$27.44M · min. income ≈ HK$293,518/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,018
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$150,560
−HK$4,614/mo
Today · 4.125%
HK$155,174
baseline
▲ 0.50% · 4.625%
HK$164,616
+HK$9,442/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$310,348/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,443
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$166,800
−HK$4,419/mo
Today · 4.125%
HK$171,219
baseline
▲ 0.50% · 4.625%
HK$180,245
+HK$9,026/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$342,438/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,737
−HK$11,773/mo
▼ 0.25% · 3.875%
HK$193,577
−HK$5,933/mo
Today · 4.125%
HK$199,510
baseline
▲ 0.50% · 4.625%
HK$211,649
+HK$12,139/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$399,020/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,855
−HK$11,284/mo
▼ 0.25% · 3.875%
HK$214,457
−HK$5,682/mo
Today · 4.125%
HK$220,139
baseline
▲ 0.50% · 4.625%
HK$231,743
+HK$11,604/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$440,278/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,938 · Scale 2, in force from 26 Feb 2026)