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$107,130
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,462
−HK$3,385/mo
Today · 4.125%
HK$113,847
baseline
▲ 0.50% · 4.625%
HK$120,775
+HK$6,928/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$227,694/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,180
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,377
−HK$3,242/mo
Today · 4.125%
HK$125,619
baseline
▲ 0.50% · 4.625%
HK$132,241
+HK$6,622/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$251,238/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,555
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$132,554
−HK$4,063/mo
Today · 4.125%
HK$136,617
baseline
▲ 0.50% · 4.625%
HK$144,930
+HK$8,313/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$273,234/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,017
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,852
−HK$3,891/mo
Today · 4.125%
HK$150,743
baseline
▲ 0.50% · 4.625%
HK$158,689
+HK$7,946/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$301,486/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,981
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,647
−HK$4,739/mo
Today · 4.125%
HK$159,386
baseline
▲ 0.50% · 4.625%
HK$169,085
+HK$9,699/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$318,772/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,853
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,328
−HK$4,539/mo
Today · 4.125%
HK$175,867
baseline
▲ 0.50% · 4.625%
HK$185,137
+HK$9,270/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$351,734/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,833
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$198,831
−HK$6,094/mo
Today · 4.125%
HK$204,925
baseline
▲ 0.50% · 4.625%
HK$217,395
+HK$12,470/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$409,850/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,525
−HK$11,590/mo
▼ 0.25% · 3.875%
HK$220,278
−HK$5,837/mo
Today · 4.125%
HK$226,115
baseline
▲ 0.50% · 4.625%
HK$238,034
+HK$11,919/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$452,230/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,707 · Scale 2, in force from 26 Feb 2026)