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$105,747
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,036
−HK$3,342/mo
Today · 4.125%
HK$112,378
baseline
▲ 0.50% · 4.625%
HK$119,216
+HK$6,838/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$224,756/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,642
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,797
−HK$3,201/mo
Today · 4.125%
HK$123,998
baseline
▲ 0.50% · 4.625%
HK$130,534
+HK$6,536/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$247,996/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,896
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$130,843
−HK$4,011/mo
Today · 4.125%
HK$134,854
baseline
▲ 0.50% · 4.625%
HK$143,059
+HK$8,205/mo
Deposit HK$18.55M · loan HK$27.82M · min. income ≈ HK$269,708/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,171
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,957
−HK$3,841/mo
Today · 4.125%
HK$148,798
baseline
▲ 0.50% · 4.625%
HK$156,641
+HK$7,843/mo
Deposit HK$18.55M · loan HK$27.82M · min. income ≈ HK$297,596/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,046
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$152,651
−HK$4,678/mo
Today · 4.125%
HK$157,329
baseline
▲ 0.50% · 4.625%
HK$166,902
+HK$9,573/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$314,658/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,699
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$169,116
−HK$4,481/mo
Today · 4.125%
HK$173,597
baseline
▲ 0.50% · 4.625%
HK$182,748
+HK$9,151/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$347,194/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,344
−HK$11,937/mo
▼ 0.25% · 3.875%
HK$196,265
−HK$6,016/mo
Today · 4.125%
HK$202,281
baseline
▲ 0.50% · 4.625%
HK$214,589
+HK$12,308/mo
Deposit HK$4.64M · loan HK$41.74M · min. income ≈ HK$404,562/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,756
−HK$11,441/mo
▼ 0.25% · 3.875%
HK$217,435
−HK$5,762/mo
Today · 4.125%
HK$223,197
baseline
▲ 0.50% · 4.625%
HK$234,962
+HK$11,765/mo
Deposit HK$4.64M · loan HK$41.74M · min. income ≈ HK$446,394/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,937 · Scale 2, in force from 26 Feb 2026)