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$106,173
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,475
−HK$3,355/mo
Today · 4.125%
HK$112,830
baseline
▲ 0.50% · 4.625%
HK$119,696
+HK$6,866/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,660/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,116
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,284
−HK$3,213/mo
Today · 4.125%
HK$124,497
baseline
▲ 0.50% · 4.625%
HK$131,060
+HK$6,563/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$248,994/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,407
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$131,370
−HK$4,027/mo
Today · 4.125%
HK$135,397
baseline
▲ 0.50% · 4.625%
HK$143,635
+HK$8,238/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$270,794/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,739
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,540
−HK$3,857/mo
Today · 4.125%
HK$149,397
baseline
▲ 0.50% · 4.625%
HK$157,272
+HK$7,875/mo
Deposit HK$18.62M · loan HK$27.94M · min. income ≈ HK$298,794/mo (50% DSR)
Upfront cash ≈ HK$20.60M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,642
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,265
−HK$4,698/mo
Today · 4.125%
HK$157,963
baseline
▲ 0.50% · 4.625%
HK$167,574
+HK$9,611/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$315,926/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,362
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,797
−HK$4,499/mo
Today · 4.125%
HK$174,296
baseline
▲ 0.50% · 4.625%
HK$183,484
+HK$9,188/mo
Deposit HK$13.97M · loan HK$32.59M · min. income ≈ HK$348,592/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,111
−HK$11,984/mo
▼ 0.25% · 3.875%
HK$197,055
−HK$6,040/mo
Today · 4.125%
HK$203,095
baseline
▲ 0.50% · 4.625%
HK$215,453
+HK$12,358/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,190/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,609
−HK$11,486/mo
▼ 0.25% · 3.875%
HK$218,311
−HK$5,784/mo
Today · 4.125%
HK$224,095
baseline
▲ 0.50% · 4.625%
HK$235,907
+HK$11,812/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,190/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,978,871 · Scale 2, in force from 26 Feb 2026)