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$105,732
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$109,020
−HK$3,342/mo
Today · 4.125%
HK$112,362
baseline
▲ 0.50% · 4.625%
HK$119,199
+HK$6,837/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$224,724/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,625
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$120,780
−HK$3,200/mo
Today · 4.125%
HK$123,980
baseline
▲ 0.50% · 4.625%
HK$130,515
+HK$6,535/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$247,960/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,878
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,824
−HK$4,010/mo
Today · 4.125%
HK$134,834
baseline
▲ 0.50% · 4.625%
HK$143,039
+HK$8,205/mo
Deposit HK$18.55M · loan HK$27.82M · min. income ≈ HK$269,668/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,150
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,936
−HK$3,840/mo
Today · 4.125%
HK$148,776
baseline
▲ 0.50% · 4.625%
HK$156,618
+HK$7,842/mo
Deposit HK$18.55M · loan HK$27.82M · min. income ≈ HK$297,552/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,024
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,629
−HK$4,678/mo
Today · 4.125%
HK$157,307
baseline
▲ 0.50% · 4.625%
HK$166,878
+HK$9,571/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$314,614/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,675
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$169,092
−HK$4,480/mo
Today · 4.125%
HK$173,572
baseline
▲ 0.50% · 4.625%
HK$182,722
+HK$9,150/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$347,144/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,317
−HK$11,934/mo
▼ 0.25% · 3.875%
HK$196,237
−HK$6,014/mo
Today · 4.125%
HK$202,251
baseline
▲ 0.50% · 4.625%
HK$214,558
+HK$12,307/mo
Deposit HK$4.64M · loan HK$41.73M · min. income ≈ HK$404,502/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,725
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$217,404
−HK$5,760/mo
Today · 4.125%
HK$223,164
baseline
▲ 0.50% · 4.625%
HK$234,928
+HK$11,764/mo
Deposit HK$4.64M · loan HK$41.73M · min. income ≈ HK$446,328/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,652 · Scale 2, in force from 26 Feb 2026)