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$107,001
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,329
−HK$3,382/mo
Today · 4.125%
HK$113,711
baseline
▲ 0.50% · 4.625%
HK$120,630
+HK$6,919/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$227,422/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,037
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,230
−HK$3,239/mo
Today · 4.125%
HK$125,469
baseline
▲ 0.50% · 4.625%
HK$132,082
+HK$6,613/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$250,938/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,401
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$132,395
−HK$4,058/mo
Today · 4.125%
HK$136,453
baseline
▲ 0.50% · 4.625%
HK$144,756
+HK$8,303/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$272,906/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,845
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,676
−HK$3,886/mo
Today · 4.125%
HK$150,562
baseline
▲ 0.50% · 4.625%
HK$158,499
+HK$7,937/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$301,124/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,801
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$154,461
−HK$4,734/mo
Today · 4.125%
HK$159,195
baseline
▲ 0.50% · 4.625%
HK$168,882
+HK$9,687/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$318,390/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,652
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$171,122
−HK$4,534/mo
Today · 4.125%
HK$175,656
baseline
▲ 0.50% · 4.625%
HK$184,915
+HK$9,259/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$351,312/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,601
−HK$12,078/mo
▼ 0.25% · 3.875%
HK$198,592
−HK$6,087/mo
Today · 4.125%
HK$204,679
baseline
▲ 0.50% · 4.625%
HK$217,134
+HK$12,455/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$409,358/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,267
−HK$11,576/mo
▼ 0.25% · 3.875%
HK$220,014
−HK$5,829/mo
Today · 4.125%
HK$225,843
baseline
▲ 0.50% · 4.625%
HK$237,748
+HK$11,905/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$451,686/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,309 · Scale 2, in force from 26 Feb 2026)