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$106,937
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,264
−HK$3,379/mo
Today · 4.125%
HK$113,643
baseline
▲ 0.50% · 4.625%
HK$120,558
+HK$6,915/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$227,286/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,967
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,157
−HK$3,237/mo
Today · 4.125%
HK$125,394
baseline
▲ 0.50% · 4.625%
HK$132,004
+HK$6,610/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$250,788/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,325
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,316
−HK$4,056/mo
Today · 4.125%
HK$136,372
baseline
▲ 0.50% · 4.625%
HK$144,670
+HK$8,298/mo
Deposit HK$18.76M · loan HK$28.14M · min. income ≈ HK$272,744/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,760
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,589
−HK$3,884/mo
Today · 4.125%
HK$150,473
baseline
▲ 0.50% · 4.625%
HK$158,405
+HK$7,932/mo
Deposit HK$18.76M · loan HK$28.14M · min. income ≈ HK$300,946/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,712
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,369
−HK$4,732/mo
Today · 4.125%
HK$159,101
baseline
▲ 0.50% · 4.625%
HK$168,781
+HK$9,680/mo
Deposit HK$14.07M · loan HK$32.83M · min. income ≈ HK$318,202/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,553
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,020
−HK$4,532/mo
Today · 4.125%
HK$175,552
baseline
▲ 0.50% · 4.625%
HK$184,805
+HK$9,253/mo
Deposit HK$14.07M · loan HK$32.83M · min. income ≈ HK$351,104/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,487
−HK$12,071/mo
▼ 0.25% · 3.875%
HK$198,475
−HK$6,083/mo
Today · 4.125%
HK$204,558
baseline
▲ 0.50% · 4.625%
HK$217,005
+HK$12,447/mo
Deposit HK$4.69M · loan HK$42.21M · min. income ≈ HK$409,116/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,140
−HK$11,569/mo
▼ 0.25% · 3.875%
HK$219,883
−HK$5,826/mo
Today · 4.125%
HK$225,709
baseline
▲ 0.50% · 4.625%
HK$237,607
+HK$11,898/mo
Deposit HK$4.69M · loan HK$42.21M · min. income ≈ HK$451,418/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,993,126 · Scale 2, in force from 26 Feb 2026)