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$107,021
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,350
−HK$3,382/mo
Today · 4.125%
HK$113,732
baseline
▲ 0.50% · 4.625%
HK$120,652
+HK$6,920/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$227,464/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,060
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,253
−HK$3,239/mo
Today · 4.125%
HK$125,492
baseline
▲ 0.50% · 4.625%
HK$132,107
+HK$6,615/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$250,984/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,425
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,420
−HK$4,059/mo
Today · 4.125%
HK$136,479
baseline
▲ 0.50% · 4.625%
HK$144,783
+HK$8,304/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$272,958/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,872
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,703
−HK$3,888/mo
Today · 4.125%
HK$150,591
baseline
▲ 0.50% · 4.625%
HK$158,528
+HK$7,937/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$301,182/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,829
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,490
−HK$4,735/mo
Today · 4.125%
HK$159,225
baseline
▲ 0.50% · 4.625%
HK$168,913
+HK$9,688/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$318,450/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,684
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,154
−HK$4,535/mo
Today · 4.125%
HK$175,689
baseline
▲ 0.50% · 4.625%
HK$184,950
+HK$9,261/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$351,378/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,638
−HK$12,080/mo
▼ 0.25% · 3.875%
HK$198,630
−HK$6,088/mo
Today · 4.125%
HK$204,718
baseline
▲ 0.50% · 4.625%
HK$217,174
+HK$12,456/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$409,436/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,307
−HK$11,579/mo
▼ 0.25% · 3.875%
HK$220,055
−HK$5,831/mo
Today · 4.125%
HK$225,886
baseline
▲ 0.50% · 4.625%
HK$237,793
+HK$11,907/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$451,772/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,684 · Scale 2, in force from 26 Feb 2026)