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$105,518
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,800
−HK$3,335/mo
Today · 4.125%
HK$112,135
baseline
▲ 0.50% · 4.625%
HK$118,958
+HK$6,823/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,270/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,387
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,536
−HK$3,194/mo
Today · 4.125%
HK$123,730
baseline
▲ 0.50% · 4.625%
HK$130,252
+HK$6,522/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,460/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,621
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,560
−HK$4,002/mo
Today · 4.125%
HK$134,562
baseline
▲ 0.50% · 4.625%
HK$142,749
+HK$8,187/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$269,124/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,865
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,643
−HK$3,832/mo
Today · 4.125%
HK$148,475
baseline
▲ 0.50% · 4.625%
HK$156,302
+HK$7,827/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$296,950/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,725
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,320
−HK$4,669/mo
Today · 4.125%
HK$156,989
baseline
▲ 0.50% · 4.625%
HK$166,541
+HK$9,552/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$313,978/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,342
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,750
−HK$4,471/mo
Today · 4.125%
HK$173,221
baseline
▲ 0.50% · 4.625%
HK$182,352
+HK$9,131/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$346,442/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,932
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$195,840
−HK$6,002/mo
Today · 4.125%
HK$201,842
baseline
▲ 0.50% · 4.625%
HK$214,124
+HK$12,282/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$403,684/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,297
−HK$11,416/mo
▼ 0.25% · 3.875%
HK$216,964
−HK$5,749/mo
Today · 4.125%
HK$222,713
baseline
▲ 0.50% · 4.625%
HK$234,453
+HK$11,740/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$445,426/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,668 · Scale 2, in force from 26 Feb 2026)