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$103,282
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,495
−HK$3,264/mo
Today · 4.125%
HK$109,759
baseline
▲ 0.50% · 4.625%
HK$116,437
+HK$6,678/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,518/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,900
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,982
−HK$3,126/mo
Today · 4.125%
HK$121,108
baseline
▲ 0.50% · 4.625%
HK$127,492
+HK$6,384/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,216/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,938
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,794
−HK$3,916/mo
Today · 4.125%
HK$131,710
baseline
▲ 0.50% · 4.625%
HK$139,725
+HK$8,015/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$263,420/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,880
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,578
−HK$3,751/mo
Today · 4.125%
HK$145,329
baseline
▲ 0.50% · 4.625%
HK$152,990
+HK$7,661/mo
Deposit HK$18.12M · loan HK$27.18M · min. income ≈ HK$290,658/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,595
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,092
−HK$4,570/mo
Today · 4.125%
HK$153,662
baseline
▲ 0.50% · 4.625%
HK$163,012
+HK$9,350/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$307,324/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,860
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,174
−HK$4,377/mo
Today · 4.125%
HK$169,551
baseline
▲ 0.50% · 4.625%
HK$178,488
+HK$8,937/mo
Deposit HK$13.59M · loan HK$31.71M · min. income ≈ HK$339,102/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,907
−HK$11,659/mo
▼ 0.25% · 3.875%
HK$191,690
−HK$5,876/mo
Today · 4.125%
HK$197,566
baseline
▲ 0.50% · 4.625%
HK$209,587
+HK$12,021/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,132/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,820
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$212,367
−HK$5,627/mo
Today · 4.125%
HK$217,994
baseline
▲ 0.50% · 4.625%
HK$229,485
+HK$11,491/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,988/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,996 · Scale 2, in force from 26 Feb 2026)