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$105,009
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,275
−HK$3,319/mo
Today · 4.125%
HK$111,594
baseline
▲ 0.50% · 4.625%
HK$118,384
+HK$6,790/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,188/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,821
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,954
−HK$3,179/mo
Today · 4.125%
HK$123,133
baseline
▲ 0.50% · 4.625%
HK$129,623
+HK$6,490/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,266/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,010
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,930
−HK$3,982/mo
Today · 4.125%
HK$133,912
baseline
▲ 0.50% · 4.625%
HK$142,061
+HK$8,149/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,824/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,185
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,945
−HK$3,814/mo
Today · 4.125%
HK$147,759
baseline
▲ 0.50% · 4.625%
HK$155,548
+HK$7,789/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,518/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,012
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,585
−HK$4,646/mo
Today · 4.125%
HK$156,231
baseline
▲ 0.50% · 4.625%
HK$165,737
+HK$9,506/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,462/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,549
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,936
−HK$4,450/mo
Today · 4.125%
HK$172,386
baseline
▲ 0.50% · 4.625%
HK$181,472
+HK$9,086/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,772/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,015
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$194,895
−HK$5,973/mo
Today · 4.125%
HK$200,868
baseline
▲ 0.50% · 4.625%
HK$213,091
+HK$12,223/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,736/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,278
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$215,917
−HK$5,722/mo
Today · 4.125%
HK$221,639
baseline
▲ 0.50% · 4.625%
HK$233,321
+HK$11,682/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,278/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,178 · Scale 2, in force from 26 Feb 2026)