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$103,574
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,796
−HK$3,273/mo
Today · 4.125%
HK$110,069
baseline
▲ 0.50% · 4.625%
HK$116,767
+HK$6,698/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$220,138/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,225
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,315
−HK$3,135/mo
Today · 4.125%
HK$121,450
baseline
▲ 0.50% · 4.625%
HK$127,852
+HK$6,402/mo
Deposit HK$22.71M · loan HK$22.71M · min. income ≈ HK$242,900/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,289
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,155
−HK$3,928/mo
Today · 4.125%
HK$132,083
baseline
▲ 0.50% · 4.625%
HK$140,120
+HK$8,037/mo
Deposit HK$18.17M · loan HK$27.25M · min. income ≈ HK$264,166/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,270
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,979
−HK$3,761/mo
Today · 4.125%
HK$145,740
baseline
▲ 0.50% · 4.625%
HK$153,423
+HK$7,683/mo
Deposit HK$18.17M · loan HK$27.25M · min. income ≈ HK$291,480/mo (50% DSR)
Upfront cash ≈ HK$20.10M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,004
−HK$9,093/mo
▼ 0.25% · 3.875%
HK$149,514
−HK$4,583/mo
Today · 4.125%
HK$154,097
baseline
▲ 0.50% · 4.625%
HK$163,473
+HK$9,376/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$308,194/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,315
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$165,642
−HK$4,389/mo
Today · 4.125%
HK$170,031
baseline
▲ 0.50% · 4.625%
HK$178,993
+HK$8,962/mo
Deposit HK$13.63M · loan HK$31.80M · min. income ≈ HK$340,062/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,433
−HK$11,691/mo
▼ 0.25% · 3.875%
HK$192,233
−HK$5,891/mo
Today · 4.125%
HK$198,124
baseline
▲ 0.50% · 4.625%
HK$210,180
+HK$12,056/mo
Deposit HK$4.54M · loan HK$40.88M · min. income ≈ HK$396,248/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,405
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$212,968
−HK$5,643/mo
Today · 4.125%
HK$218,611
baseline
▲ 0.50% · 4.625%
HK$230,134
+HK$11,523/mo
Deposit HK$4.54M · loan HK$40.88M · min. income ≈ HK$437,222/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$1,930,441 · Scale 2, in force from 26 Feb 2026)