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$104,164
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,404
−HK$3,292/mo
Today · 4.125%
HK$110,696
baseline
▲ 0.50% · 4.625%
HK$117,431
+HK$6,735/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$221,392/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,881
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,989
−HK$3,153/mo
Today · 4.125%
HK$122,142
baseline
▲ 0.50% · 4.625%
HK$128,580
+HK$6,438/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$244,284/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,996
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$128,885
−HK$3,950/mo
Today · 4.125%
HK$132,835
baseline
▲ 0.50% · 4.625%
HK$140,918
+HK$8,083/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$265,670/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,057
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,787
−HK$3,783/mo
Today · 4.125%
HK$146,570
baseline
▲ 0.50% · 4.625%
HK$154,296
+HK$7,726/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$293,140/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,829
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$150,365
−HK$4,609/mo
Today · 4.125%
HK$154,974
baseline
▲ 0.50% · 4.625%
HK$164,404
+HK$9,430/mo
Deposit HK$13.70M · loan HK$31.98M · min. income ≈ HK$309,948/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,234
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$166,585
−HK$4,414/mo
Today · 4.125%
HK$170,999
baseline
▲ 0.50% · 4.625%
HK$180,012
+HK$9,013/mo
Deposit HK$13.70M · loan HK$31.98M · min. income ≈ HK$341,998/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,495
−HK$11,757/mo
▼ 0.25% · 3.875%
HK$193,327
−HK$5,925/mo
Today · 4.125%
HK$199,252
baseline
▲ 0.50% · 4.625%
HK$211,376
+HK$12,124/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$398,504/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,586
−HK$11,269/mo
▼ 0.25% · 3.875%
HK$214,180
−HK$5,675/mo
Today · 4.125%
HK$219,855
baseline
▲ 0.50% · 4.625%
HK$231,444
+HK$11,589/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$439,710/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,431 · Scale 2, in force from 26 Feb 2026)