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$102,990
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$106,194
−HK$3,255/mo
Today · 4.125%
HK$109,449
baseline
▲ 0.50% · 4.625%
HK$116,108
+HK$6,659/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$218,898/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,576
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,648
−HK$3,118/mo
Today · 4.125%
HK$120,766
baseline
▲ 0.50% · 4.625%
HK$127,132
+HK$6,366/mo
Deposit HK$22.58M · loan HK$22.58M · min. income ≈ HK$241,532/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,588
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$127,433
−HK$3,905/mo
Today · 4.125%
HK$131,338
baseline
▲ 0.50% · 4.625%
HK$139,330
+HK$7,992/mo
Deposit HK$18.07M · loan HK$27.10M · min. income ≈ HK$262,676/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,491
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$141,178
−HK$3,741/mo
Today · 4.125%
HK$144,919
baseline
▲ 0.50% · 4.625%
HK$152,558
+HK$7,639/mo
Deposit HK$18.07M · loan HK$27.10M · min. income ≈ HK$289,838/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,186
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$148,671
−HK$4,557/mo
Today · 4.125%
HK$153,228
baseline
▲ 0.50% · 4.625%
HK$162,552
+HK$9,324/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$306,456/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,406
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$164,708
−HK$4,364/mo
Today · 4.125%
HK$169,072
baseline
▲ 0.50% · 4.625%
HK$177,984
+HK$8,912/mo
Deposit HK$13.55M · loan HK$31.62M · min. income ≈ HK$338,144/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,382
−HK$11,626/mo
▼ 0.25% · 3.875%
HK$191,149
−HK$5,859/mo
Today · 4.125%
HK$197,008
baseline
▲ 0.50% · 4.625%
HK$208,995
+HK$11,987/mo
Deposit HK$4.52M · loan HK$40.65M · min. income ≈ HK$394,016/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,236
−HK$11,142/mo
▼ 0.25% · 3.875%
HK$211,767
−HK$5,611/mo
Today · 4.125%
HK$217,378
baseline
▲ 0.50% · 4.625%
HK$228,837
+HK$11,459/mo
Deposit HK$4.52M · loan HK$40.65M · min. income ≈ HK$434,756/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,919,559 · Scale 2, in force from 26 Feb 2026)