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$104,980
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,245
−HK$3,318/mo
Today · 4.125%
HK$111,563
baseline
▲ 0.50% · 4.625%
HK$118,351
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,126/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,789
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,921
−HK$3,177/mo
Today · 4.125%
HK$123,098
baseline
▲ 0.50% · 4.625%
HK$129,587
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,196/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,976
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,894
−HK$3,981/mo
Today · 4.125%
HK$133,875
baseline
▲ 0.50% · 4.625%
HK$142,021
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,750/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,147
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,905
−HK$3,813/mo
Today · 4.125%
HK$147,718
baseline
▲ 0.50% · 4.625%
HK$155,505
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,436/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,971
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,543
−HK$4,645/mo
Today · 4.125%
HK$156,188
baseline
▲ 0.50% · 4.625%
HK$165,692
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,376/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,504
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,889
−HK$4,449/mo
Today · 4.125%
HK$172,338
baseline
▲ 0.50% · 4.625%
HK$181,422
+HK$9,084/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,676/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,963
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,841
−HK$5,972/mo
Today · 4.125%
HK$200,813
baseline
▲ 0.50% · 4.625%
HK$213,032
+HK$12,219/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,626/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,220
−HK$11,357/mo
▼ 0.25% · 3.875%
HK$215,858
−HK$5,719/mo
Today · 4.125%
HK$221,577
baseline
▲ 0.50% · 4.625%
HK$233,257
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,154/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,637 · Scale 2, in force from 26 Feb 2026)