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$104,584
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,837
−HK$3,305/mo
Today · 4.125%
HK$111,142
baseline
▲ 0.50% · 4.625%
HK$117,905
+HK$6,763/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$222,284/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,348
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,469
−HK$3,165/mo
Today · 4.125%
HK$122,634
baseline
▲ 0.50% · 4.625%
HK$129,098
+HK$6,464/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$245,268/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,500
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,404
−HK$3,966/mo
Today · 4.125%
HK$133,370
baseline
▲ 0.50% · 4.625%
HK$141,485
+HK$8,115/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$266,740/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,618
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,362
−HK$3,799/mo
Today · 4.125%
HK$147,161
baseline
▲ 0.50% · 4.625%
HK$154,918
+HK$7,757/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$294,322/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,417
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$150,971
−HK$4,628/mo
Today · 4.125%
HK$155,599
baseline
▲ 0.50% · 4.625%
HK$165,066
+HK$9,467/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$311,198/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,887
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$167,256
−HK$4,432/mo
Today · 4.125%
HK$171,688
baseline
▲ 0.50% · 4.625%
HK$180,738
+HK$9,050/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$343,376/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,250
−HK$11,805/mo
▼ 0.25% · 3.875%
HK$194,106
−HK$5,949/mo
Today · 4.125%
HK$200,055
baseline
▲ 0.50% · 4.625%
HK$212,228
+HK$12,173/mo
Deposit HK$4.59M · loan HK$41.28M · min. income ≈ HK$400,110/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,427
−HK$11,314/mo
▼ 0.25% · 3.875%
HK$215,043
−HK$5,698/mo
Today · 4.125%
HK$220,741
baseline
▲ 0.50% · 4.625%
HK$232,377
+HK$11,636/mo
Deposit HK$4.59M · loan HK$41.28M · min. income ≈ HK$441,482/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,255 · Scale 2, in force from 26 Feb 2026)