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$106,451
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$109,763
−HK$3,364/mo
Today · 4.125%
HK$113,127
baseline
▲ 0.50% · 4.625%
HK$120,010
+HK$6,883/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$226,254/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,426
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,602
−HK$3,222/mo
Today · 4.125%
HK$124,824
baseline
▲ 0.50% · 4.625%
HK$131,404
+HK$6,580/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$249,648/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,742
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,715
−HK$4,037/mo
Today · 4.125%
HK$135,752
baseline
▲ 0.50% · 4.625%
HK$144,012
+HK$8,260/mo
Deposit HK$18.67M · loan HK$28.01M · min. income ≈ HK$271,504/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,111
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,923
−HK$3,866/mo
Today · 4.125%
HK$149,789
baseline
▲ 0.50% · 4.625%
HK$157,685
+HK$7,896/mo
Deposit HK$18.67M · loan HK$28.01M · min. income ≈ HK$299,578/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,032
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,668
−HK$4,709/mo
Today · 4.125%
HK$158,377
baseline
▲ 0.50% · 4.625%
HK$168,014
+HK$9,637/mo
Deposit HK$14.01M · loan HK$32.68M · min. income ≈ HK$316,754/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,796
−HK$8,958/mo
▼ 0.25% · 3.875%
HK$170,243
−HK$4,511/mo
Today · 4.125%
HK$174,754
baseline
▲ 0.50% · 4.625%
HK$183,965
+HK$9,211/mo
Deposit HK$14.01M · loan HK$32.68M · min. income ≈ HK$349,508/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,612
−HK$12,016/mo
▼ 0.25% · 3.875%
HK$197,573
−HK$6,055/mo
Today · 4.125%
HK$203,628
baseline
▲ 0.50% · 4.625%
HK$216,018
+HK$12,390/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$407,256/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,167
−HK$11,517/mo
▼ 0.25% · 3.875%
HK$218,884
−HK$5,800/mo
Today · 4.125%
HK$224,684
baseline
▲ 0.50% · 4.625%
HK$236,527
+HK$11,843/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$449,368/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,067 · Scale 2, in force from 26 Feb 2026)