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$106,099
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,400
−HK$3,353/mo
Today · 4.125%
HK$112,753
baseline
▲ 0.50% · 4.625%
HK$119,613
+HK$6,860/mo
Deposit HK$23.26M · loan HK$23.26M · min. income ≈ HK$225,506/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,034
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,200
−HK$3,211/mo
Today · 4.125%
HK$124,411
baseline
▲ 0.50% · 4.625%
HK$130,969
+HK$6,558/mo
Deposit HK$23.26M · loan HK$23.26M · min. income ≈ HK$248,822/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,319
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$131,279
−HK$4,024/mo
Today · 4.125%
HK$135,303
baseline
▲ 0.50% · 4.625%
HK$143,536
+HK$8,233/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$270,606/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,641
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,440
−HK$3,854/mo
Today · 4.125%
HK$149,294
baseline
▲ 0.50% · 4.625%
HK$157,163
+HK$7,869/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$298,588/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,539
−HK$9,315/mo
▼ 0.25% · 3.875%
HK$153,159
−HK$4,695/mo
Today · 4.125%
HK$157,854
baseline
▲ 0.50% · 4.625%
HK$167,459
+HK$9,605/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$315,708/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,248
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$169,680
−HK$4,496/mo
Today · 4.125%
HK$174,176
baseline
▲ 0.50% · 4.625%
HK$183,357
+HK$9,181/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$348,352/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,979
−HK$11,976/mo
▼ 0.25% · 3.875%
HK$196,919
−HK$6,036/mo
Today · 4.125%
HK$202,955
baseline
▲ 0.50% · 4.625%
HK$215,304
+HK$12,349/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$405,910/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,462
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$218,160
−HK$5,781/mo
Today · 4.125%
HK$223,941
baseline
▲ 0.50% · 4.625%
HK$235,745
+HK$11,804/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$447,882/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,506 · Scale 2, in force from 26 Feb 2026)