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$106,713
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,033
−HK$3,372/mo
Today · 4.125%
HK$113,405
baseline
▲ 0.50% · 4.625%
HK$120,305
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,810/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,717
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,901
−HK$3,230/mo
Today · 4.125%
HK$125,131
baseline
▲ 0.50% · 4.625%
HK$131,727
+HK$6,596/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,262/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,056
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,039
−HK$4,047/mo
Today · 4.125%
HK$136,086
baseline
▲ 0.50% · 4.625%
HK$144,367
+HK$8,281/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,172/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,461
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$146,282
−HK$3,876/mo
Today · 4.125%
HK$150,158
baseline
▲ 0.50% · 4.625%
HK$158,073
+HK$7,915/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,316/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,398
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,046
−HK$4,721/mo
Today · 4.125%
HK$158,767
baseline
▲ 0.50% · 4.625%
HK$168,428
+HK$9,661/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,534/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,204
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,662
−HK$4,522/mo
Today · 4.125%
HK$175,184
baseline
▲ 0.50% · 4.625%
HK$184,418
+HK$9,234/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,368/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,084
−HK$12,045/mo
▼ 0.25% · 3.875%
HK$198,059
−HK$6,070/mo
Today · 4.125%
HK$204,129
baseline
▲ 0.50% · 4.625%
HK$216,550
+HK$12,421/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,258/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,691
−HK$11,545/mo
▼ 0.25% · 3.875%
HK$219,422
−HK$5,814/mo
Today · 4.125%
HK$225,236
baseline
▲ 0.50% · 4.625%
HK$237,109
+HK$11,873/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,472/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,948 · Scale 2, in force from 26 Feb 2026)