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$106,321
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,629
−HK$3,360/mo
Today · 4.125%
HK$112,989
baseline
▲ 0.50% · 4.625%
HK$119,864
+HK$6,875/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$225,978/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,281
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,454
−HK$3,218/mo
Today · 4.125%
HK$124,672
baseline
▲ 0.50% · 4.625%
HK$131,244
+HK$6,572/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$249,344/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,586
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$131,554
−HK$4,032/mo
Today · 4.125%
HK$135,586
baseline
▲ 0.50% · 4.625%
HK$143,837
+HK$8,251/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$271,172/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,938
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$145,744
−HK$3,862/mo
Today · 4.125%
HK$149,606
baseline
▲ 0.50% · 4.625%
HK$157,492
+HK$7,886/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$299,212/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,850
−HK$9,334/mo
▼ 0.25% · 3.875%
HK$153,480
−HK$4,704/mo
Today · 4.125%
HK$158,184
baseline
▲ 0.50% · 4.625%
HK$167,809
+HK$9,625/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$316,368/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,594
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,035
−HK$4,506/mo
Today · 4.125%
HK$174,541
baseline
▲ 0.50% · 4.625%
HK$183,741
+HK$9,200/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$349,082/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,379
−HK$12,001/mo
▼ 0.25% · 3.875%
HK$197,331
−HK$6,049/mo
Today · 4.125%
HK$203,380
baseline
▲ 0.50% · 4.625%
HK$215,755
+HK$12,375/mo
Deposit HK$4.66M · loan HK$41.96M · min. income ≈ HK$406,760/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,907
−HK$11,502/mo
▼ 0.25% · 3.875%
HK$218,617
−HK$5,792/mo
Today · 4.125%
HK$224,409
baseline
▲ 0.50% · 4.625%
HK$236,238
+HK$11,829/mo
Deposit HK$4.66M · loan HK$41.96M · min. income ≈ HK$448,818/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,646 · Scale 2, in force from 26 Feb 2026)