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$107,027
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,356
−HK$3,383/mo
Today · 4.125%
HK$113,739
baseline
▲ 0.50% · 4.625%
HK$120,659
+HK$6,920/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$227,478/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,066
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,260
−HK$3,239/mo
Today · 4.125%
HK$125,499
baseline
▲ 0.50% · 4.625%
HK$132,114
+HK$6,615/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$250,998/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,432
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,427
−HK$4,059/mo
Today · 4.125%
HK$136,486
baseline
▲ 0.50% · 4.625%
HK$144,791
+HK$8,305/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$272,972/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,880
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$146,712
−HK$3,887/mo
Today · 4.125%
HK$150,599
baseline
▲ 0.50% · 4.625%
HK$158,537
+HK$7,938/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$301,198/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,838
−HK$9,396/mo
▼ 0.25% · 3.875%
HK$154,499
−HK$4,735/mo
Today · 4.125%
HK$159,234
baseline
▲ 0.50% · 4.625%
HK$168,923
+HK$9,689/mo
Deposit HK$14.08M · loan HK$32.86M · min. income ≈ HK$318,468/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,693
−HK$9,006/mo
▼ 0.25% · 3.875%
HK$171,164
−HK$4,535/mo
Today · 4.125%
HK$175,699
baseline
▲ 0.50% · 4.625%
HK$184,960
+HK$9,261/mo
Deposit HK$14.08M · loan HK$32.86M · min. income ≈ HK$351,398/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,649
−HK$12,080/mo
▼ 0.25% · 3.875%
HK$198,641
−HK$6,088/mo
Today · 4.125%
HK$204,729
baseline
▲ 0.50% · 4.625%
HK$217,187
+HK$12,458/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$409,458/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,320
−HK$11,579/mo
▼ 0.25% · 3.875%
HK$220,068
−HK$5,831/mo
Today · 4.125%
HK$225,899
baseline
▲ 0.50% · 4.625%
HK$237,806
+HK$11,907/mo
Deposit HK$4.69M · loan HK$42.24M · min. income ≈ HK$451,798/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,796 · Scale 2, in force from 26 Feb 2026)