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$105,175
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,447
−HK$3,323/mo
Today · 4.125%
HK$111,770
baseline
▲ 0.50% · 4.625%
HK$118,571
+HK$6,801/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,540/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,006
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,144
−HK$3,184/mo
Today · 4.125%
HK$123,328
baseline
▲ 0.50% · 4.625%
HK$129,828
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,656/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,210
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,136
−HK$3,989/mo
Today · 4.125%
HK$134,125
baseline
▲ 0.50% · 4.625%
HK$142,286
+HK$8,161/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,250/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,407
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,173
−HK$3,820/mo
Today · 4.125%
HK$147,993
baseline
▲ 0.50% · 4.625%
HK$155,794
+HK$7,801/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,986/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,245
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$151,825
−HK$4,654/mo
Today · 4.125%
HK$156,479
baseline
▲ 0.50% · 4.625%
HK$166,000
+HK$9,521/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$312,958/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,809
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,202
−HK$4,457/mo
Today · 4.125%
HK$172,659
baseline
▲ 0.50% · 4.625%
HK$181,760
+HK$9,101/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,318/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,315
−HK$11,872/mo
▼ 0.25% · 3.875%
HK$195,204
−HK$5,983/mo
Today · 4.125%
HK$201,187
baseline
▲ 0.50% · 4.625%
HK$213,429
+HK$12,242/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,374/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,611
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$216,260
−HK$5,730/mo
Today · 4.125%
HK$221,990
baseline
▲ 0.50% · 4.625%
HK$233,691
+HK$11,701/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,980/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,280 · Scale 2, in force from 26 Feb 2026)