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$106,239
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,544
−HK$3,357/mo
Today · 4.125%
HK$112,901
baseline
▲ 0.50% · 4.625%
HK$119,771
+HK$6,870/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$225,802/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,190
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,360
−HK$3,215/mo
Today · 4.125%
HK$124,575
baseline
▲ 0.50% · 4.625%
HK$131,142
+HK$6,567/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$249,150/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,487
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$131,453
−HK$4,029/mo
Today · 4.125%
HK$135,482
baseline
▲ 0.50% · 4.625%
HK$143,725
+HK$8,243/mo
Deposit HK$18.64M · loan HK$27.95M · min. income ≈ HK$270,964/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,828
−HK$7,663/mo
▼ 0.25% · 3.875%
HK$145,632
−HK$3,859/mo
Today · 4.125%
HK$149,491
baseline
▲ 0.50% · 4.625%
HK$157,370
+HK$7,879/mo
Deposit HK$18.64M · loan HK$27.95M · min. income ≈ HK$298,982/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,735
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$153,361
−HK$4,701/mo
Today · 4.125%
HK$158,062
baseline
▲ 0.50% · 4.625%
HK$167,680
+HK$9,618/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$316,124/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,466
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$169,904
−HK$4,502/mo
Today · 4.125%
HK$174,406
baseline
▲ 0.50% · 4.625%
HK$183,599
+HK$9,193/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$348,812/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,230
−HK$11,992/mo
▼ 0.25% · 3.875%
HK$197,179
−HK$6,043/mo
Today · 4.125%
HK$203,222
baseline
▲ 0.50% · 4.625%
HK$215,588
+HK$12,366/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$406,444/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,742
−HK$11,494/mo
▼ 0.25% · 3.875%
HK$218,448
−HK$5,788/mo
Today · 4.125%
HK$224,236
baseline
▲ 0.50% · 4.625%
HK$236,056
+HK$11,820/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$448,472/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,113 · Scale 2, in force from 26 Feb 2026)