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$110,330
−HK$3,381/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$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,038
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,230
−HK$3,239/mo
Today · 4.125%
HK$125,469
baseline
▲ 0.50% · 4.625%
HK$132,083
+HK$6,614/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$1,994,317 · 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$28.16M · min. income ≈ HK$272,906/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,845
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$146,676
−HK$3,887/mo
Today · 4.125%
HK$150,563
baseline
▲ 0.50% · 4.625%
HK$158,499
+HK$7,936/mo
Deposit HK$18.77M · loan HK$28.16M · min. income ≈ HK$301,126/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,802
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$154,461
−HK$4,735/mo
Today · 4.125%
HK$159,196
baseline
▲ 0.50% · 4.625%
HK$168,882
+HK$9,686/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$318,392/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,653
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$171,122
−HK$4,535/mo
Today · 4.125%
HK$175,657
baseline
▲ 0.50% · 4.625%
HK$184,916
+HK$9,259/mo
Deposit HK$14.08M · loan HK$32.85M · min. income ≈ HK$351,314/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,602
−HK$12,078/mo
▼ 0.25% · 3.875%
HK$198,593
−HK$6,087/mo
Today · 4.125%
HK$204,680
baseline
▲ 0.50% · 4.625%
HK$217,134
+HK$12,454/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$409,360/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,268
−HK$11,576/mo
▼ 0.25% · 3.875%
HK$220,015
−HK$5,829/mo
Today · 4.125%
HK$225,844
baseline
▲ 0.50% · 4.625%
HK$237,749
+HK$11,905/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$451,688/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,317 · Scale 2, in force from 26 Feb 2026)