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$104,600
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,854
−HK$3,305/mo
Today · 4.125%
HK$111,159
baseline
▲ 0.50% · 4.625%
HK$117,923
+HK$6,764/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$222,318/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,367
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,487
−HK$3,166/mo
Today · 4.125%
HK$122,653
baseline
▲ 0.50% · 4.625%
HK$129,119
+HK$6,466/mo
Deposit HK$22.94M · loan HK$22.94M · min. income ≈ HK$245,306/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,520
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$129,424
−HK$3,967/mo
Today · 4.125%
HK$133,391
baseline
▲ 0.50% · 4.625%
HK$141,508
+HK$8,117/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$266,782/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,640
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,385
−HK$3,799/mo
Today · 4.125%
HK$147,184
baseline
▲ 0.50% · 4.625%
HK$154,942
+HK$7,758/mo
Deposit HK$18.35M · loan HK$27.52M · min. income ≈ HK$294,368/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,440
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$150,995
−HK$4,628/mo
Today · 4.125%
HK$155,623
baseline
▲ 0.50% · 4.625%
HK$165,092
+HK$9,469/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$311,246/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,913
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$167,282
−HK$4,433/mo
Today · 4.125%
HK$171,715
baseline
▲ 0.50% · 4.625%
HK$180,766
+HK$9,051/mo
Deposit HK$13.76M · loan HK$32.11M · min. income ≈ HK$343,430/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,280
−HK$11,807/mo
▼ 0.25% · 3.875%
HK$194,137
−HK$5,950/mo
Today · 4.125%
HK$200,087
baseline
▲ 0.50% · 4.625%
HK$212,262
+HK$12,175/mo
Deposit HK$4.59M · loan HK$41.28M · min. income ≈ HK$400,174/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,460
−HK$11,316/mo
▼ 0.25% · 3.875%
HK$215,077
−HK$5,699/mo
Today · 4.125%
HK$220,776
baseline
▲ 0.50% · 4.625%
HK$232,414
+HK$11,638/mo
Deposit HK$4.59M · loan HK$41.28M · min. income ≈ HK$441,552/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$1,949,563 · Scale 2, in force from 26 Feb 2026)