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$106,902
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,227
−HK$3,378/mo
Today · 4.125%
HK$113,605
baseline
▲ 0.50% · 4.625%
HK$120,518
+HK$6,913/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,210/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,927
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,117
−HK$3,235/mo
Today · 4.125%
HK$125,352
baseline
▲ 0.50% · 4.625%
HK$131,960
+HK$6,608/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,704/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,282
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$132,272
−HK$4,055/mo
Today · 4.125%
HK$136,327
baseline
▲ 0.50% · 4.625%
HK$144,622
+HK$8,295/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$272,654/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,713
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,540
−HK$3,883/mo
Today · 4.125%
HK$150,423
baseline
▲ 0.50% · 4.625%
HK$158,352
+HK$7,929/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$300,846/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,662
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$154,318
−HK$4,730/mo
Today · 4.125%
HK$159,048
baseline
▲ 0.50% · 4.625%
HK$168,725
+HK$9,677/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$318,096/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,498
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,963
−HK$4,530/mo
Today · 4.125%
HK$175,493
baseline
▲ 0.50% · 4.625%
HK$184,744
+HK$9,251/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$350,986/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,423
−HK$12,067/mo
▼ 0.25% · 3.875%
HK$198,409
−HK$6,081/mo
Today · 4.125%
HK$204,490
baseline
▲ 0.50% · 4.625%
HK$216,932
+HK$12,442/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$408,980/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,069
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$219,810
−HK$5,824/mo
Today · 4.125%
HK$225,634
baseline
▲ 0.50% · 4.625%
HK$237,528
+HK$11,894/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$451,268/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,462 · Scale 2, in force from 26 Feb 2026)