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$104,776
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,035
−HK$3,312/mo
Today · 4.125%
HK$111,347
baseline
▲ 0.50% · 4.625%
HK$118,122
+HK$6,775/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$222,694/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,563
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,689
−HK$3,171/mo
Today · 4.125%
HK$122,860
baseline
▲ 0.50% · 4.625%
HK$129,336
+HK$6,476/mo
Deposit HK$22.97M · loan HK$22.97M · min. income ≈ HK$245,720/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,732
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,642
−HK$3,974/mo
Today · 4.125%
HK$133,616
baseline
▲ 0.50% · 4.625%
HK$141,746
+HK$8,130/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$267,232/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,875
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,626
−HK$3,806/mo
Today · 4.125%
HK$147,432
baseline
▲ 0.50% · 4.625%
HK$155,203
+HK$7,771/mo
Deposit HK$18.38M · loan HK$27.57M · min. income ≈ HK$294,864/mo (50% DSR)
Upfront cash ≈ HK$20.33M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,687
−HK$9,198/mo
▼ 0.25% · 3.875%
HK$151,250
−HK$4,635/mo
Today · 4.125%
HK$155,885
baseline
▲ 0.50% · 4.625%
HK$165,371
+HK$9,486/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$311,770/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,188
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$167,564
−HK$4,440/mo
Today · 4.125%
HK$172,004
baseline
▲ 0.50% · 4.625%
HK$181,071
+HK$9,067/mo
Deposit HK$13.78M · loan HK$32.16M · min. income ≈ HK$344,008/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,597
−HK$11,827/mo
▼ 0.25% · 3.875%
HK$194,464
−HK$5,960/mo
Today · 4.125%
HK$200,424
baseline
▲ 0.50% · 4.625%
HK$212,619
+HK$12,195/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$400,848/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,813
−HK$11,335/mo
▼ 0.25% · 3.875%
HK$215,440
−HK$5,708/mo
Today · 4.125%
HK$221,148
baseline
▲ 0.50% · 4.625%
HK$232,805
+HK$11,657/mo
Deposit HK$4.59M · loan HK$41.35M · min. income ≈ HK$442,296/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,952,847 · Scale 2, in force from 26 Feb 2026)