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$103,598
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,821
−HK$3,274/mo
Today · 4.125%
HK$110,095
baseline
▲ 0.50% · 4.625%
HK$116,794
+HK$6,699/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$220,190/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,252
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,343
−HK$3,136/mo
Today · 4.125%
HK$121,479
baseline
▲ 0.50% · 4.625%
HK$127,882
+HK$6,403/mo
Deposit HK$22.72M · loan HK$22.72M · min. income ≈ HK$242,958/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,318
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$128,185
−HK$3,929/mo
Today · 4.125%
HK$132,114
baseline
▲ 0.50% · 4.625%
HK$140,152
+HK$8,038/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$264,228/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,302
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$142,012
−HK$3,762/mo
Today · 4.125%
HK$145,774
baseline
▲ 0.50% · 4.625%
HK$153,458
+HK$7,684/mo
Deposit HK$18.17M · loan HK$27.26M · min. income ≈ HK$291,548/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,037
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$149,549
−HK$4,584/mo
Today · 4.125%
HK$154,133
baseline
▲ 0.50% · 4.625%
HK$163,511
+HK$9,378/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,266/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,353
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$165,680
−HK$4,390/mo
Today · 4.125%
HK$170,070
baseline
▲ 0.50% · 4.625%
HK$179,035
+HK$8,965/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,140/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,477
−HK$11,693/mo
▼ 0.25% · 3.875%
HK$192,277
−HK$5,893/mo
Today · 4.125%
HK$198,170
baseline
▲ 0.50% · 4.625%
HK$210,229
+HK$12,059/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$396,340/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,453
−HK$11,209/mo
▼ 0.25% · 3.875%
HK$213,017
−HK$5,645/mo
Today · 4.125%
HK$218,662
baseline
▲ 0.50% · 4.625%
HK$230,187
+HK$11,525/mo
Deposit HK$4.54M · loan HK$40.89M · min. income ≈ HK$437,324/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,890 · Scale 2, in force from 26 Feb 2026)