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$106,328
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,635
−HK$3,360/mo
Today · 4.125%
HK$112,995
baseline
▲ 0.50% · 4.625%
HK$119,871
+HK$6,876/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$225,990/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,289
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,461
−HK$3,218/mo
Today · 4.125%
HK$124,679
baseline
▲ 0.50% · 4.625%
HK$131,251
+HK$6,572/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$249,358/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,593
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$131,562
−HK$4,032/mo
Today · 4.125%
HK$135,594
baseline
▲ 0.50% · 4.625%
HK$143,845
+HK$8,251/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$271,188/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,946
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,753
−HK$3,862/mo
Today · 4.125%
HK$149,615
baseline
▲ 0.50% · 4.625%
HK$157,502
+HK$7,887/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$299,230/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,859
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$153,489
−HK$4,705/mo
Today · 4.125%
HK$158,194
baseline
▲ 0.50% · 4.625%
HK$167,819
+HK$9,625/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$316,388/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,604
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,045
−HK$4,506/mo
Today · 4.125%
HK$174,551
baseline
▲ 0.50% · 4.625%
HK$183,752
+HK$9,201/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$349,102/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,390
−HK$12,002/mo
▼ 0.25% · 3.875%
HK$197,343
−HK$6,049/mo
Today · 4.125%
HK$203,392
baseline
▲ 0.50% · 4.625%
HK$215,768
+HK$12,376/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$406,784/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,919
−HK$11,504/mo
▼ 0.25% · 3.875%
HK$218,630
−HK$5,793/mo
Today · 4.125%
HK$224,423
baseline
▲ 0.50% · 4.625%
HK$236,252
+HK$11,829/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$448,846/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,763 · Scale 2, in force from 26 Feb 2026)