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$103,041
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,246
−HK$3,257/mo
Today · 4.125%
HK$109,503
baseline
▲ 0.50% · 4.625%
HK$116,166
+HK$6,663/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$219,006/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,632
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,707
−HK$3,119/mo
Today · 4.125%
HK$120,826
baseline
▲ 0.50% · 4.625%
HK$127,194
+HK$6,368/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$241,652/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,650
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,496
−HK$3,907/mo
Today · 4.125%
HK$131,403
baseline
▲ 0.50% · 4.625%
HK$139,399
+HK$7,996/mo
Deposit HK$18.08M · loan HK$27.11M · min. income ≈ HK$262,806/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,559
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,248
−HK$3,743/mo
Today · 4.125%
HK$144,991
baseline
▲ 0.50% · 4.625%
HK$152,633
+HK$7,642/mo
Deposit HK$18.08M · loan HK$27.11M · min. income ≈ HK$289,982/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,258
−HK$9,046/mo
▼ 0.25% · 3.875%
HK$148,745
−HK$4,559/mo
Today · 4.125%
HK$153,304
baseline
▲ 0.50% · 4.625%
HK$162,632
+HK$9,328/mo
Deposit HK$13.56M · loan HK$31.63M · min. income ≈ HK$306,608/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,485
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$164,789
−HK$4,367/mo
Today · 4.125%
HK$169,156
baseline
▲ 0.50% · 4.625%
HK$178,072
+HK$8,916/mo
Deposit HK$13.56M · loan HK$31.63M · min. income ≈ HK$338,312/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,474
−HK$11,631/mo
▼ 0.25% · 3.875%
HK$191,244
−HK$5,861/mo
Today · 4.125%
HK$197,105
baseline
▲ 0.50% · 4.625%
HK$209,099
+HK$11,994/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$394,210/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,338
−HK$11,148/mo
▼ 0.25% · 3.875%
HK$211,872
−HK$5,614/mo
Today · 4.125%
HK$217,486
baseline
▲ 0.50% · 4.625%
HK$228,950
+HK$11,464/mo
Deposit HK$4.52M · loan HK$40.67M · min. income ≈ HK$434,972/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,510 · Scale 2, in force from 26 Feb 2026)