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$106,510
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,823
−HK$3,366/mo
Today · 4.125%
HK$113,189
baseline
▲ 0.50% · 4.625%
HK$120,076
+HK$6,887/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$226,378/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,491
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,669
−HK$3,224/mo
Today · 4.125%
HK$124,893
baseline
▲ 0.50% · 4.625%
HK$131,476
+HK$6,583/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$249,786/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,812
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$131,787
−HK$4,040/mo
Today · 4.125%
HK$135,827
baseline
▲ 0.50% · 4.625%
HK$144,091
+HK$8,264/mo
Deposit HK$18.68M · loan HK$28.03M · min. income ≈ HK$271,654/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,189
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,003
−HK$3,868/mo
Today · 4.125%
HK$149,871
baseline
▲ 0.50% · 4.625%
HK$157,771
+HK$7,900/mo
Deposit HK$18.68M · loan HK$28.03M · min. income ≈ HK$299,742/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,114
−HK$9,351/mo
▼ 0.25% · 3.875%
HK$153,752
−HK$4,713/mo
Today · 4.125%
HK$158,465
baseline
▲ 0.50% · 4.625%
HK$168,107
+HK$9,642/mo
Deposit HK$14.01M · loan HK$32.70M · min. income ≈ HK$316,930/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,888
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$170,337
−HK$4,513/mo
Today · 4.125%
HK$174,850
baseline
▲ 0.50% · 4.625%
HK$184,067
+HK$9,217/mo
Deposit HK$14.01M · loan HK$32.70M · min. income ≈ HK$349,700/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,718
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$197,681
−HK$6,059/mo
Today · 4.125%
HK$203,740
baseline
▲ 0.50% · 4.625%
HK$216,137
+HK$12,397/mo
Deposit HK$4.67M · loan HK$42.04M · min. income ≈ HK$407,480/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,284
−HK$11,523/mo
▼ 0.25% · 3.875%
HK$219,004
−HK$5,803/mo
Today · 4.125%
HK$224,807
baseline
▲ 0.50% · 4.625%
HK$236,657
+HK$11,850/mo
Deposit HK$4.67M · loan HK$42.04M · min. income ≈ HK$449,614/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,985,158 · Scale 2, in force from 26 Feb 2026)