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$103,122
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,329
−HK$3,259/mo
Today · 4.125%
HK$109,588
baseline
▲ 0.50% · 4.625%
HK$116,256
+HK$6,668/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,176/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,722
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,799
−HK$3,121/mo
Today · 4.125%
HK$120,920
baseline
▲ 0.50% · 4.625%
HK$127,294
+HK$6,374/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,840/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,746
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,595
−HK$3,911/mo
Today · 4.125%
HK$131,506
baseline
▲ 0.50% · 4.625%
HK$139,508
+HK$8,002/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$263,012/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,666
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,358
−HK$3,746/mo
Today · 4.125%
HK$145,104
baseline
▲ 0.50% · 4.625%
HK$152,752
+HK$7,648/mo
Deposit HK$18.09M · loan HK$27.13M · min. income ≈ HK$290,208/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,370
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$148,861
−HK$4,563/mo
Today · 4.125%
HK$153,424
baseline
▲ 0.50% · 4.625%
HK$162,759
+HK$9,335/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$306,848/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,611
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$164,918
−HK$4,370/mo
Today · 4.125%
HK$169,288
baseline
▲ 0.50% · 4.625%
HK$178,211
+HK$8,923/mo
Deposit HK$13.57M · loan HK$31.66M · min. income ≈ HK$338,576/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,619
−HK$11,640/mo
▼ 0.25% · 3.875%
HK$191,393
−HK$5,866/mo
Today · 4.125%
HK$197,259
baseline
▲ 0.50% · 4.625%
HK$209,262
+HK$12,003/mo
Deposit HK$4.52M · loan HK$40.70M · min. income ≈ HK$394,518/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,499
−HK$11,157/mo
▼ 0.25% · 3.875%
HK$212,037
−HK$5,619/mo
Today · 4.125%
HK$217,656
baseline
▲ 0.50% · 4.625%
HK$229,129
+HK$11,473/mo
Deposit HK$4.52M · loan HK$40.70M · min. income ≈ HK$435,312/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,922,008 · Scale 2, in force from 26 Feb 2026)