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$104,979
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,245
−HK$3,317/mo
Today · 4.125%
HK$111,562
baseline
▲ 0.50% · 4.625%
HK$118,351
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,124/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,788
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,921
−HK$3,177/mo
Today · 4.125%
HK$123,098
baseline
▲ 0.50% · 4.625%
HK$129,587
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,196/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,975
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,894
−HK$3,981/mo
Today · 4.125%
HK$133,875
baseline
▲ 0.50% · 4.625%
HK$142,021
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,750/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,146
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,905
−HK$3,813/mo
Today · 4.125%
HK$147,718
baseline
▲ 0.50% · 4.625%
HK$155,504
+HK$7,786/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,436/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,971
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,543
−HK$4,644/mo
Today · 4.125%
HK$156,187
baseline
▲ 0.50% · 4.625%
HK$165,691
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,374/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,504
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$167,889
−HK$4,448/mo
Today · 4.125%
HK$172,337
baseline
▲ 0.50% · 4.625%
HK$181,421
+HK$9,084/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,674/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,963
−HK$11,849/mo
▼ 0.25% · 3.875%
HK$194,840
−HK$5,972/mo
Today · 4.125%
HK$200,812
baseline
▲ 0.50% · 4.625%
HK$213,031
+HK$12,219/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,624/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,219
−HK$11,357/mo
▼ 0.25% · 3.875%
HK$215,857
−HK$5,719/mo
Today · 4.125%
HK$221,576
baseline
▲ 0.50% · 4.625%
HK$233,256
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,152/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,630 · Scale 2, in force from 26 Feb 2026)