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$103,274
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,487
−HK$3,263/mo
Today · 4.125%
HK$109,750
baseline
▲ 0.50% · 4.625%
HK$116,428
+HK$6,678/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$219,500/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,891
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,973
−HK$3,126/mo
Today · 4.125%
HK$121,099
baseline
▲ 0.50% · 4.625%
HK$127,482
+HK$6,383/mo
Deposit HK$22.65M · loan HK$22.65M · min. income ≈ HK$242,198/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,929
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,784
−HK$3,916/mo
Today · 4.125%
HK$131,700
baseline
▲ 0.50% · 4.625%
HK$139,714
+HK$8,014/mo
Deposit HK$18.12M · loan HK$27.17M · min. income ≈ HK$263,400/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,870
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,567
−HK$3,751/mo
Today · 4.125%
HK$145,318
baseline
▲ 0.50% · 4.625%
HK$152,978
+HK$7,660/mo
Deposit HK$18.12M · loan HK$27.17M · min. income ≈ HK$290,636/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,584
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$149,081
−HK$4,569/mo
Today · 4.125%
HK$153,650
baseline
▲ 0.50% · 4.625%
HK$163,000
+HK$9,350/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$307,300/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,848
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$165,162
−HK$4,376/mo
Today · 4.125%
HK$169,538
baseline
▲ 0.50% · 4.625%
HK$178,475
+HK$8,937/mo
Deposit HK$13.59M · loan HK$31.70M · min. income ≈ HK$339,076/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,893
−HK$11,658/mo
▼ 0.25% · 3.875%
HK$191,676
−HK$5,875/mo
Today · 4.125%
HK$197,551
baseline
▲ 0.50% · 4.625%
HK$209,571
+HK$12,020/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$395,102/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,805
−HK$11,173/mo
▼ 0.25% · 3.875%
HK$212,351
−HK$5,627/mo
Today · 4.125%
HK$217,978
baseline
▲ 0.50% · 4.625%
HK$229,467
+HK$11,489/mo
Deposit HK$4.53M · loan HK$40.76M · min. income ≈ HK$435,956/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,924,850 · Scale 2, in force from 26 Feb 2026)