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$107,092
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,424
−HK$3,384/mo
Today · 4.125%
HK$113,808
baseline
▲ 0.50% · 4.625%
HK$120,733
+HK$6,925/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$227,616/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,139
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,334
−HK$3,242/mo
Today · 4.125%
HK$125,576
baseline
▲ 0.50% · 4.625%
HK$132,195
+HK$6,619/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$251,152/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,511
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,508
−HK$4,062/mo
Today · 4.125%
HK$136,570
baseline
▲ 0.50% · 4.625%
HK$144,880
+HK$8,310/mo
Deposit HK$18.79M · loan HK$28.18M · min. income ≈ HK$273,140/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,967
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,801
−HK$3,890/mo
Today · 4.125%
HK$150,691
baseline
▲ 0.50% · 4.625%
HK$158,634
+HK$7,943/mo
Deposit HK$18.79M · loan HK$28.18M · min. income ≈ HK$301,382/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,929
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$154,593
−HK$4,738/mo
Today · 4.125%
HK$159,331
baseline
▲ 0.50% · 4.625%
HK$169,026
+HK$9,695/mo
Deposit HK$14.09M · loan HK$32.88M · min. income ≈ HK$318,662/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,795
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,268
−HK$4,538/mo
Today · 4.125%
HK$175,806
baseline
▲ 0.50% · 4.625%
HK$185,073
+HK$9,267/mo
Deposit HK$14.09M · loan HK$32.88M · min. income ≈ HK$351,612/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,766
−HK$12,088/mo
▼ 0.25% · 3.875%
HK$198,762
−HK$6,092/mo
Today · 4.125%
HK$204,854
baseline
▲ 0.50% · 4.625%
HK$217,319
+HK$12,465/mo
Deposit HK$4.70M · loan HK$42.27M · min. income ≈ HK$409,708/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,451
−HK$11,586/mo
▼ 0.25% · 3.875%
HK$220,202
−HK$5,835/mo
Today · 4.125%
HK$226,037
baseline
▲ 0.50% · 4.625%
HK$237,951
+HK$11,914/mo
Deposit HK$4.70M · loan HK$42.27M · min. income ≈ HK$452,074/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,015 · Scale 2, in force from 26 Feb 2026)