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$104,317
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,562
−HK$3,297/mo
Today · 4.125%
HK$110,859
baseline
▲ 0.50% · 4.625%
HK$117,604
+HK$6,745/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$221,718/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,052
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,164
−HK$3,158/mo
Today · 4.125%
HK$122,322
baseline
▲ 0.50% · 4.625%
HK$128,769
+HK$6,447/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$244,644/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,180
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,074
−HK$3,956/mo
Today · 4.125%
HK$133,030
baseline
▲ 0.50% · 4.625%
HK$141,125
+HK$8,095/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$266,060/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,262
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$142,997
−HK$3,789/mo
Today · 4.125%
HK$146,786
baseline
▲ 0.50% · 4.625%
HK$154,523
+HK$7,737/mo
Deposit HK$18.30M · loan HK$27.45M · min. income ≈ HK$293,572/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,044
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,587
−HK$4,615/mo
Today · 4.125%
HK$155,202
baseline
▲ 0.50% · 4.625%
HK$164,646
+HK$9,444/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$310,404/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,472
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,830
−HK$4,420/mo
Today · 4.125%
HK$171,250
baseline
▲ 0.50% · 4.625%
HK$180,277
+HK$9,027/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$342,500/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,771
−HK$11,774/mo
▼ 0.25% · 3.875%
HK$193,611
−HK$5,934/mo
Today · 4.125%
HK$199,545
baseline
▲ 0.50% · 4.625%
HK$211,687
+HK$12,142/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$399,090/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,893
−HK$11,286/mo
▼ 0.25% · 3.875%
HK$214,495
−HK$5,684/mo
Today · 4.125%
HK$220,179
baseline
▲ 0.50% · 4.625%
HK$231,785
+HK$11,606/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$440,358/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,944,287 · Scale 2, in force from 26 Feb 2026)