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$106,677
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$109,995
−HK$3,372/mo
Today · 4.125%
HK$113,367
baseline
▲ 0.50% · 4.625%
HK$120,265
+HK$6,898/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,734/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,677
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,860
−HK$3,229/mo
Today · 4.125%
HK$125,089
baseline
▲ 0.50% · 4.625%
HK$131,682
+HK$6,593/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,178/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,012
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$131,994
−HK$4,046/mo
Today · 4.125%
HK$136,040
baseline
▲ 0.50% · 4.625%
HK$144,318
+HK$8,278/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$272,080/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,413
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,232
−HK$3,875/mo
Today · 4.125%
HK$150,107
baseline
▲ 0.50% · 4.625%
HK$158,019
+HK$7,912/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$300,214/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,348
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$153,993
−HK$4,720/mo
Today · 4.125%
HK$158,713
baseline
▲ 0.50% · 4.625%
HK$168,371
+HK$9,658/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$317,426/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,148
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$170,604
−HK$4,520/mo
Today · 4.125%
HK$175,124
baseline
▲ 0.50% · 4.625%
HK$184,355
+HK$9,231/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$350,248/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,019
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$197,991
−HK$6,069/mo
Today · 4.125%
HK$204,060
baseline
▲ 0.50% · 4.625%
HK$216,476
+HK$12,416/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$408,120/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,619
−HK$11,541/mo
▼ 0.25% · 3.875%
HK$219,348
−HK$5,812/mo
Today · 4.125%
HK$225,160
baseline
▲ 0.50% · 4.625%
HK$237,028
+HK$11,868/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$450,320/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,273 · Scale 2, in force from 26 Feb 2026)