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$107,023
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,353
−HK$3,382/mo
Today · 4.125%
HK$113,735
baseline
▲ 0.50% · 4.625%
HK$120,655
+HK$6,920/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$227,470/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,063
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,256
−HK$3,239/mo
Today · 4.125%
HK$125,495
baseline
▲ 0.50% · 4.625%
HK$132,110
+HK$6,615/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$250,990/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,428
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,423
−HK$4,059/mo
Today · 4.125%
HK$136,482
baseline
▲ 0.50% · 4.625%
HK$144,786
+HK$8,304/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$272,964/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,875
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,707
−HK$3,887/mo
Today · 4.125%
HK$150,594
baseline
▲ 0.50% · 4.625%
HK$158,532
+HK$7,938/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$301,188/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,833
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,494
−HK$4,735/mo
Today · 4.125%
HK$159,229
baseline
▲ 0.50% · 4.625%
HK$168,917
+HK$9,688/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$318,458/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,688
−HK$9,005/mo
▼ 0.25% · 3.875%
HK$171,158
−HK$4,535/mo
Today · 4.125%
HK$175,693
baseline
▲ 0.50% · 4.625%
HK$184,954
+HK$9,261/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$351,386/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,642
−HK$12,081/mo
▼ 0.25% · 3.875%
HK$198,635
−HK$6,088/mo
Today · 4.125%
HK$204,723
baseline
▲ 0.50% · 4.625%
HK$217,179
+HK$12,456/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$409,446/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,313
−HK$11,578/mo
▼ 0.25% · 3.875%
HK$220,060
−HK$5,831/mo
Today · 4.125%
HK$225,891
baseline
▲ 0.50% · 4.625%
HK$237,798
+HK$11,907/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$451,782/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,731 · Scale 2, in force from 26 Feb 2026)