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$104,149
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,388
−HK$3,292/mo
Today · 4.125%
HK$110,680
baseline
▲ 0.50% · 4.625%
HK$117,414
+HK$6,734/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$221,360/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,864
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,972
−HK$3,152/mo
Today · 4.125%
HK$122,124
baseline
▲ 0.50% · 4.625%
HK$128,561
+HK$6,437/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$244,248/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,978
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,866
−HK$3,949/mo
Today · 4.125%
HK$132,815
baseline
▲ 0.50% · 4.625%
HK$140,897
+HK$8,082/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$265,630/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,037
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,766
−HK$3,783/mo
Today · 4.125%
HK$146,549
baseline
▲ 0.50% · 4.625%
HK$154,274
+HK$7,725/mo
Deposit HK$18.27M · loan HK$27.40M · min. income ≈ HK$293,098/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,808
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$150,343
−HK$4,608/mo
Today · 4.125%
HK$154,951
baseline
▲ 0.50% · 4.625%
HK$164,380
+HK$9,429/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$309,902/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,210
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$166,560
−HK$4,414/mo
Today · 4.125%
HK$170,974
baseline
▲ 0.50% · 4.625%
HK$179,986
+HK$9,012/mo
Deposit HK$13.70M · loan HK$31.97M · min. income ≈ HK$341,948/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,467
−HK$11,756/mo
▼ 0.25% · 3.875%
HK$193,299
−HK$5,924/mo
Today · 4.125%
HK$199,223
baseline
▲ 0.50% · 4.625%
HK$211,345
+HK$12,122/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$398,446/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,556
−HK$11,267/mo
▼ 0.25% · 3.875%
HK$214,149
−HK$5,674/mo
Today · 4.125%
HK$219,823
baseline
▲ 0.50% · 4.625%
HK$231,410
+HK$11,587/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$439,646/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,147 · Scale 2, in force from 26 Feb 2026)