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$104,961
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,226
−HK$3,317/mo
Today · 4.125%
HK$111,543
baseline
▲ 0.50% · 4.625%
HK$118,330
+HK$6,787/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,086/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,768
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,900
−HK$3,177/mo
Today · 4.125%
HK$123,077
baseline
▲ 0.50% · 4.625%
HK$129,564
+HK$6,487/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,154/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,953
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,871
−HK$3,981/mo
Today · 4.125%
HK$133,852
baseline
▲ 0.50% · 4.625%
HK$141,996
+HK$8,144/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$267,704/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,122
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,880
−HK$3,812/mo
Today · 4.125%
HK$147,692
baseline
▲ 0.50% · 4.625%
HK$155,477
+HK$7,785/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$295,384/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,945
−HK$9,215/mo
▼ 0.25% · 3.875%
HK$151,516
−HK$4,644/mo
Today · 4.125%
HK$156,160
baseline
▲ 0.50% · 4.625%
HK$165,662
+HK$9,502/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$312,320/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,475
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$167,860
−HK$4,447/mo
Today · 4.125%
HK$172,307
baseline
▲ 0.50% · 4.625%
HK$181,390
+HK$9,083/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$344,614/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,930
−HK$11,847/mo
▼ 0.25% · 3.875%
HK$194,807
−HK$5,970/mo
Today · 4.125%
HK$200,777
baseline
▲ 0.50% · 4.625%
HK$212,994
+HK$12,217/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,554/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,183
−HK$11,355/mo
▼ 0.25% · 3.875%
HK$215,819
−HK$5,719/mo
Today · 4.125%
HK$221,538
baseline
▲ 0.50% · 4.625%
HK$233,216
+HK$11,678/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,076/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,290 · Scale 2, in force from 26 Feb 2026)