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$106,535
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,849
−HK$3,367/mo
Today · 4.125%
HK$113,216
baseline
▲ 0.50% · 4.625%
HK$120,105
+HK$6,889/mo
Deposit HK$23.36M · loan HK$23.36M · min. income ≈ HK$226,432/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,520
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,698
−HK$3,225/mo
Today · 4.125%
HK$124,923
baseline
▲ 0.50% · 4.625%
HK$131,508
+HK$6,585/mo
Deposit HK$23.36M · loan HK$23.36M · min. income ≈ HK$249,846/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,843
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$131,819
−HK$4,040/mo
Today · 4.125%
HK$135,859
baseline
▲ 0.50% · 4.625%
HK$144,126
+HK$8,267/mo
Deposit HK$18.69M · loan HK$28.03M · min. income ≈ HK$271,718/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,224
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$146,038
−HK$3,870/mo
Today · 4.125%
HK$149,908
baseline
▲ 0.50% · 4.625%
HK$157,809
+HK$7,901/mo
Deposit HK$18.69M · loan HK$28.03M · min. income ≈ HK$299,816/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,150
−HK$9,353/mo
▼ 0.25% · 3.875%
HK$153,789
−HK$4,714/mo
Today · 4.125%
HK$158,503
baseline
▲ 0.50% · 4.625%
HK$168,147
+HK$9,644/mo
Deposit HK$14.02M · loan HK$32.70M · min. income ≈ HK$317,006/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,928
−HK$8,964/mo
▼ 0.25% · 3.875%
HK$170,378
−HK$4,514/mo
Today · 4.125%
HK$174,892
baseline
▲ 0.50% · 4.625%
HK$184,111
+HK$9,219/mo
Deposit HK$14.02M · loan HK$32.70M · min. income ≈ HK$349,784/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,764
−HK$12,025/mo
▼ 0.25% · 3.875%
HK$197,729
−HK$6,060/mo
Today · 4.125%
HK$203,789
baseline
▲ 0.50% · 4.625%
HK$216,189
+HK$12,400/mo
Deposit HK$4.67M · loan HK$42.05M · min. income ≈ HK$407,578/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,335
−HK$11,526/mo
▼ 0.25% · 3.875%
HK$219,057
−HK$5,804/mo
Today · 4.125%
HK$224,861
baseline
▲ 0.50% · 4.625%
HK$236,714
+HK$11,853/mo
Deposit HK$4.67M · loan HK$42.05M · min. income ≈ HK$449,722/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,985,636 · Scale 2, in force from 26 Feb 2026)