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$103,198
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,408
−HK$3,261/mo
Today · 4.125%
HK$109,669
baseline
▲ 0.50% · 4.625%
HK$116,343
+HK$6,674/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,338/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,807
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,886
−HK$3,123/mo
Today · 4.125%
HK$121,009
baseline
▲ 0.50% · 4.625%
HK$127,388
+HK$6,379/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,018/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,838
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$127,690
−HK$3,913/mo
Today · 4.125%
HK$131,603
baseline
▲ 0.50% · 4.625%
HK$139,611
+HK$8,008/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$263,206/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,768
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$141,463
−HK$3,748/mo
Today · 4.125%
HK$145,211
baseline
▲ 0.50% · 4.625%
HK$152,866
+HK$7,655/mo
Deposit HK$18.10M · loan HK$27.15M · min. income ≈ HK$290,422/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,477
−HK$9,060/mo
▼ 0.25% · 3.875%
HK$148,971
−HK$4,566/mo
Today · 4.125%
HK$153,537
baseline
▲ 0.50% · 4.625%
HK$162,880
+HK$9,343/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$307,074/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,729
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,040
−HK$4,373/mo
Today · 4.125%
HK$169,413
baseline
▲ 0.50% · 4.625%
HK$178,343
+HK$8,930/mo
Deposit HK$13.58M · loan HK$31.68M · min. income ≈ HK$338,826/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,756
−HK$11,649/mo
▼ 0.25% · 3.875%
HK$191,535
−HK$5,870/mo
Today · 4.125%
HK$197,405
baseline
▲ 0.50% · 4.625%
HK$209,417
+HK$12,012/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$394,810/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,652
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$212,195
−HK$5,622/mo
Today · 4.125%
HK$217,817
baseline
▲ 0.50% · 4.625%
HK$229,298
+HK$11,481/mo
Deposit HK$4.53M · loan HK$40.73M · min. income ≈ HK$435,634/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,432 · Scale 2, in force from 26 Feb 2026)