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$103,705
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,931
−HK$3,277/mo
Today · 4.125%
HK$110,208
baseline
▲ 0.50% · 4.625%
HK$116,914
+HK$6,706/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$220,416/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,371
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,465
−HK$3,139/mo
Today · 4.125%
HK$121,604
baseline
▲ 0.50% · 4.625%
HK$128,014
+HK$6,410/mo
Deposit HK$22.74M · loan HK$22.74M · min. income ≈ HK$243,208/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,446
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,317
−HK$3,933/mo
Today · 4.125%
HK$132,250
baseline
▲ 0.50% · 4.625%
HK$140,297
+HK$8,047/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$264,500/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,445
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,158
−HK$3,767/mo
Today · 4.125%
HK$145,925
baseline
▲ 0.50% · 4.625%
HK$153,616
+HK$7,691/mo
Deposit HK$18.19M · loan HK$27.29M · min. income ≈ HK$291,850/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,187
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,703
−HK$4,588/mo
Today · 4.125%
HK$154,291
baseline
▲ 0.50% · 4.625%
HK$163,680
+HK$9,389/mo
Deposit HK$13.64M · loan HK$31.84M · min. income ≈ HK$308,582/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,519
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,851
−HK$4,394/mo
Today · 4.125%
HK$170,245
baseline
▲ 0.50% · 4.625%
HK$179,219
+HK$8,974/mo
Deposit HK$13.64M · loan HK$31.84M · min. income ≈ HK$340,490/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,669
−HK$11,706/mo
▼ 0.25% · 3.875%
HK$192,475
−HK$5,900/mo
Today · 4.125%
HK$198,375
baseline
▲ 0.50% · 4.625%
HK$210,445
+HK$12,070/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$396,750/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,667
−HK$11,220/mo
▼ 0.25% · 3.875%
HK$213,237
−HK$5,650/mo
Today · 4.125%
HK$218,887
baseline
▲ 0.50% · 4.625%
HK$230,425
+HK$11,538/mo
Deposit HK$4.55M · loan HK$40.93M · min. income ≈ HK$437,774/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$1,932,879 · Scale 2, in force from 26 Feb 2026)