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$104,424
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$107,672
−HK$3,300/mo
Today · 4.125%
HK$110,972
baseline
▲ 0.50% · 4.625%
HK$117,725
+HK$6,753/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$221,944/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,171
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,286
−HK$3,161/mo
Today · 4.125%
HK$122,447
baseline
▲ 0.50% · 4.625%
HK$128,901
+HK$6,454/mo
Deposit HK$22.90M · loan HK$22.90M · min. income ≈ HK$244,894/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,309
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,207
−HK$3,960/mo
Today · 4.125%
HK$133,167
baseline
▲ 0.50% · 4.625%
HK$141,270
+HK$8,103/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$266,334/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,405
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,144
−HK$3,792/mo
Today · 4.125%
HK$146,936
baseline
▲ 0.50% · 4.625%
HK$154,682
+HK$7,746/mo
Deposit HK$18.32M · loan HK$27.48M · min. income ≈ HK$293,872/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,194
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,741
−HK$4,620/mo
Today · 4.125%
HK$155,361
baseline
▲ 0.50% · 4.625%
HK$164,815
+HK$9,454/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$310,722/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,639
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$167,001
−HK$4,425/mo
Today · 4.125%
HK$171,426
baseline
▲ 0.50% · 4.625%
HK$180,462
+HK$9,036/mo
Deposit HK$13.74M · loan HK$32.06M · min. income ≈ HK$342,852/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,963
−HK$11,787/mo
▼ 0.25% · 3.875%
HK$193,810
−HK$5,940/mo
Today · 4.125%
HK$199,750
baseline
▲ 0.50% · 4.625%
HK$211,905
+HK$12,155/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$399,500/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,107
−HK$11,298/mo
▼ 0.25% · 3.875%
HK$214,715
−HK$5,690/mo
Today · 4.125%
HK$220,405
baseline
▲ 0.50% · 4.625%
HK$232,023
+HK$11,618/mo
Deposit HK$4.58M · loan HK$41.22M · min. income ≈ HK$440,810/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,283 · Scale 2, in force from 26 Feb 2026)