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$104,565
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,818
−HK$3,305/mo
Today · 4.125%
HK$111,123
baseline
▲ 0.50% · 4.625%
HK$117,884
+HK$6,761/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$222,246/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,328
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,448
−HK$3,165/mo
Today · 4.125%
HK$122,613
baseline
▲ 0.50% · 4.625%
HK$129,076
+HK$6,463/mo
Deposit HK$22.93M · loan HK$22.93M · min. income ≈ HK$245,226/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,478
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,382
−HK$3,965/mo
Today · 4.125%
HK$133,347
baseline
▲ 0.50% · 4.625%
HK$141,461
+HK$8,114/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$266,694/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,594
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,337
−HK$3,798/mo
Today · 4.125%
HK$147,135
baseline
▲ 0.50% · 4.625%
HK$154,891
+HK$7,756/mo
Deposit HK$18.34M · loan HK$27.51M · min. income ≈ HK$294,270/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,392
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$150,945
−HK$4,627/mo
Today · 4.125%
HK$155,572
baseline
▲ 0.50% · 4.625%
HK$165,038
+HK$9,466/mo
Deposit HK$13.76M · loan HK$32.10M · min. income ≈ HK$311,144/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,859
−HK$8,799/mo
▼ 0.25% · 3.875%
HK$167,227
−HK$4,431/mo
Today · 4.125%
HK$171,658
baseline
▲ 0.50% · 4.625%
HK$180,706
+HK$9,048/mo
Deposit HK$13.76M · loan HK$32.10M · min. income ≈ HK$343,316/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,218
−HK$11,803/mo
▼ 0.25% · 3.875%
HK$194,072
−HK$5,949/mo
Today · 4.125%
HK$200,021
baseline
▲ 0.50% · 4.625%
HK$212,191
+HK$12,170/mo
Deposit HK$4.59M · loan HK$41.27M · min. income ≈ HK$400,042/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,390
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$215,006
−HK$5,697/mo
Today · 4.125%
HK$220,703
baseline
▲ 0.50% · 4.625%
HK$232,337
+HK$11,634/mo
Deposit HK$4.59M · loan HK$41.27M · min. income ≈ HK$441,406/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,948,916 · Scale 2, in force from 26 Feb 2026)