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$106,653
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,971
−HK$3,370/mo
Today · 4.125%
HK$113,341
baseline
▲ 0.50% · 4.625%
HK$120,238
+HK$6,897/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,682/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,651
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,833
−HK$3,228/mo
Today · 4.125%
HK$125,061
baseline
▲ 0.50% · 4.625%
HK$131,653
+HK$6,592/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,122/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,984
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,965
−HK$4,044/mo
Today · 4.125%
HK$136,009
baseline
▲ 0.50% · 4.625%
HK$144,285
+HK$8,276/mo
Deposit HK$18.71M · loan HK$28.06M · min. income ≈ HK$272,018/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,381
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,199
−HK$3,874/mo
Today · 4.125%
HK$150,073
baseline
▲ 0.50% · 4.625%
HK$157,984
+HK$7,911/mo
Deposit HK$18.71M · loan HK$28.06M · min. income ≈ HK$300,146/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,314
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,959
−HK$4,719/mo
Today · 4.125%
HK$158,678
baseline
▲ 0.50% · 4.625%
HK$168,333
+HK$9,655/mo
Deposit HK$14.03M · loan HK$32.74M · min. income ≈ HK$317,356/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,111
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,566
−HK$4,519/mo
Today · 4.125%
HK$175,085
baseline
▲ 0.50% · 4.625%
HK$184,314
+HK$9,229/mo
Deposit HK$14.03M · loan HK$32.74M · min. income ≈ HK$350,170/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,976
−HK$12,038/mo
▼ 0.25% · 3.875%
HK$197,947
−HK$6,067/mo
Today · 4.125%
HK$204,014
baseline
▲ 0.50% · 4.625%
HK$216,428
+HK$12,414/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$408,028/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,571
−HK$11,538/mo
▼ 0.25% · 3.875%
HK$219,299
−HK$5,810/mo
Today · 4.125%
HK$225,109
baseline
▲ 0.50% · 4.625%
HK$236,975
+HK$11,866/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$450,218/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,987,828 · Scale 2, in force from 26 Feb 2026)