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$104,919
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,183
−HK$3,315/mo
Today · 4.125%
HK$111,498
baseline
▲ 0.50% · 4.625%
HK$118,283
+HK$6,785/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$222,996/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,721
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,852
−HK$3,175/mo
Today · 4.125%
HK$123,027
baseline
▲ 0.50% · 4.625%
HK$129,512
+HK$6,485/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,054/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,903
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,819
−HK$3,979/mo
Today · 4.125%
HK$133,798
baseline
▲ 0.50% · 4.625%
HK$141,939
+HK$8,141/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$267,596/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,066
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,822
−HK$3,811/mo
Today · 4.125%
HK$147,633
baseline
▲ 0.50% · 4.625%
HK$155,415
+HK$7,782/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$295,266/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,886
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$151,456
−HK$4,642/mo
Today · 4.125%
HK$156,098
baseline
▲ 0.50% · 4.625%
HK$165,596
+HK$9,498/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,196/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,410
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,792
−HK$4,446/mo
Today · 4.125%
HK$172,238
baseline
▲ 0.50% · 4.625%
HK$181,317
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,476/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,854
−HK$11,843/mo
▼ 0.25% · 3.875%
HK$194,729
−HK$5,968/mo
Today · 4.125%
HK$200,697
baseline
▲ 0.50% · 4.625%
HK$212,909
+HK$12,212/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,394/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,098
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$215,733
−HK$5,716/mo
Today · 4.125%
HK$221,449
baseline
▲ 0.50% · 4.625%
HK$233,122
+HK$11,673/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,898/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,506 · Scale 2, in force from 26 Feb 2026)