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$106,603
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,919
−HK$3,369/mo
Today · 4.125%
HK$113,288
baseline
▲ 0.50% · 4.625%
HK$120,182
+HK$6,894/mo
Deposit HK$23.38M · loan HK$23.38M · min. income ≈ HK$226,576/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,595
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,776
−HK$3,226/mo
Today · 4.125%
HK$125,002
baseline
▲ 0.50% · 4.625%
HK$131,591
+HK$6,589/mo
Deposit HK$23.38M · loan HK$23.38M · min. income ≈ HK$250,004/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,924
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,903
−HK$4,043/mo
Today · 4.125%
HK$135,946
baseline
▲ 0.50% · 4.625%
HK$144,218
+HK$8,272/mo
Deposit HK$18.70M · loan HK$28.05M · min. income ≈ HK$271,892/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,314
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,131
−HK$3,872/mo
Today · 4.125%
HK$150,003
baseline
▲ 0.50% · 4.625%
HK$157,910
+HK$7,907/mo
Deposit HK$18.70M · loan HK$28.05M · min. income ≈ HK$300,006/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,245
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$153,887
−HK$4,716/mo
Today · 4.125%
HK$158,603
baseline
▲ 0.50% · 4.625%
HK$168,254
+HK$9,651/mo
Deposit HK$14.03M · loan HK$32.73M · min. income ≈ HK$317,206/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,033
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,486
−HK$4,517/mo
Today · 4.125%
HK$175,003
baseline
▲ 0.50% · 4.625%
HK$184,228
+HK$9,225/mo
Deposit HK$14.03M · loan HK$32.73M · min. income ≈ HK$350,006/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,886
−HK$12,033/mo
▼ 0.25% · 3.875%
HK$197,855
−HK$6,064/mo
Today · 4.125%
HK$203,919
baseline
▲ 0.50% · 4.625%
HK$216,327
+HK$12,408/mo
Deposit HK$4.68M · loan HK$42.08M · min. income ≈ HK$407,838/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,471
−HK$11,533/mo
▼ 0.25% · 3.875%
HK$219,196
−HK$5,808/mo
Today · 4.125%
HK$225,004
baseline
▲ 0.50% · 4.625%
HK$236,865
+HK$11,861/mo
Deposit HK$4.68M · loan HK$42.08M · min. income ≈ HK$450,008/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,899 · Scale 2, in force from 26 Feb 2026)