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$105,262
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,536
−HK$3,326/mo
Today · 4.125%
HK$111,862
baseline
▲ 0.50% · 4.625%
HK$118,669
+HK$6,807/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,724/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,243
−HK$3,186/mo
Today · 4.125%
HK$123,429
baseline
▲ 0.50% · 4.625%
HK$129,935
+HK$6,506/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,858/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,314
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,243
−HK$3,992/mo
Today · 4.125%
HK$134,235
baseline
▲ 0.50% · 4.625%
HK$142,403
+HK$8,168/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$268,470/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,523
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,292
−HK$3,823/mo
Today · 4.125%
HK$148,115
baseline
▲ 0.50% · 4.625%
HK$155,922
+HK$7,807/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$296,230/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,366
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$151,950
−HK$4,657/mo
Today · 4.125%
HK$156,607
baseline
▲ 0.50% · 4.625%
HK$166,137
+HK$9,530/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$313,214/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,943
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$168,340
−HK$4,461/mo
Today · 4.125%
HK$172,801
baseline
▲ 0.50% · 4.625%
HK$181,909
+HK$9,108/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$345,602/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,471
−HK$11,881/mo
▼ 0.25% · 3.875%
HK$195,364
−HK$5,988/mo
Today · 4.125%
HK$201,352
baseline
▲ 0.50% · 4.625%
HK$213,604
+HK$12,252/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$402,704/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,784
−HK$11,388/mo
▼ 0.25% · 3.875%
HK$216,438
−HK$5,734/mo
Today · 4.125%
HK$222,172
baseline
▲ 0.50% · 4.625%
HK$233,883
+HK$11,711/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$444,344/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,893 · Scale 2, in force from 26 Feb 2026)