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$106,430
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,740
−HK$3,364/mo
Today · 4.125%
HK$113,104
baseline
▲ 0.50% · 4.625%
HK$119,986
+HK$6,882/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$226,208/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,402
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,577
−HK$3,222/mo
Today · 4.125%
HK$124,799
baseline
▲ 0.50% · 4.625%
HK$131,377
+HK$6,578/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$249,598/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,716
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,688
−HK$4,036/mo
Today · 4.125%
HK$135,724
baseline
▲ 0.50% · 4.625%
HK$143,983
+HK$8,259/mo
Deposit HK$18.67M · loan HK$28.00M · min. income ≈ HK$271,448/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,082
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,893
−HK$3,866/mo
Today · 4.125%
HK$149,759
baseline
▲ 0.50% · 4.625%
HK$157,652
+HK$7,893/mo
Deposit HK$18.67M · loan HK$28.00M · min. income ≈ HK$299,518/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,001
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$153,636
−HK$4,709/mo
Today · 4.125%
HK$158,345
baseline
▲ 0.50% · 4.625%
HK$167,980
+HK$9,635/mo
Deposit HK$14.00M · loan HK$32.67M · min. income ≈ HK$316,690/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,763
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$170,208
−HK$4,510/mo
Today · 4.125%
HK$174,718
baseline
▲ 0.50% · 4.625%
HK$183,928
+HK$9,210/mo
Deposit HK$14.00M · loan HK$32.67M · min. income ≈ HK$349,436/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,573
−HK$12,014/mo
▼ 0.25% · 3.875%
HK$197,532
−HK$6,055/mo
Today · 4.125%
HK$203,587
baseline
▲ 0.50% · 4.625%
HK$215,974
+HK$12,387/mo
Deposit HK$4.67M · loan HK$42.01M · min. income ≈ HK$407,174/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,123
−HK$11,515/mo
▼ 0.25% · 3.875%
HK$218,839
−HK$5,799/mo
Today · 4.125%
HK$224,638
baseline
▲ 0.50% · 4.625%
HK$236,479
+HK$11,841/mo
Deposit HK$4.67M · loan HK$42.01M · min. income ≈ HK$449,276/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,663 · Scale 2, in force from 26 Feb 2026)