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$103,965
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,199
−HK$3,286/mo
Today · 4.125%
HK$110,485
baseline
▲ 0.50% · 4.625%
HK$117,207
+HK$6,722/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$220,970/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,660
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,762
−HK$3,147/mo
Today · 4.125%
HK$121,909
baseline
▲ 0.50% · 4.625%
HK$128,335
+HK$6,426/mo
Deposit HK$22.80M · loan HK$22.80M · min. income ≈ HK$243,818/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,758
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,639
−HK$3,943/mo
Today · 4.125%
HK$132,582
baseline
▲ 0.50% · 4.625%
HK$140,649
+HK$8,067/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$265,164/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,792
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,514
−HK$3,777/mo
Today · 4.125%
HK$146,291
baseline
▲ 0.50% · 4.625%
HK$154,002
+HK$7,711/mo
Deposit HK$18.24M · loan HK$27.36M · min. income ≈ HK$292,582/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,551
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,079
−HK$4,599/mo
Today · 4.125%
HK$154,678
baseline
▲ 0.50% · 4.625%
HK$164,090
+HK$9,412/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$309,356/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,924
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,267
−HK$4,405/mo
Today · 4.125%
HK$170,672
baseline
▲ 0.50% · 4.625%
HK$179,669
+HK$8,997/mo
Deposit HK$13.68M · loan HK$31.92M · min. income ≈ HK$341,344/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,137
−HK$11,735/mo
▼ 0.25% · 3.875%
HK$192,958
−HK$5,914/mo
Today · 4.125%
HK$198,872
baseline
▲ 0.50% · 4.625%
HK$210,973
+HK$12,101/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$397,744/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,188
−HK$11,248/mo
▼ 0.25% · 3.875%
HK$213,772
−HK$5,664/mo
Today · 4.125%
HK$219,436
baseline
▲ 0.50% · 4.625%
HK$231,003
+HK$11,567/mo
Deposit HK$4.56M · loan HK$41.03M · min. income ≈ HK$438,872/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,937,728 · Scale 2, in force from 26 Feb 2026)