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$105,706
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,994
−HK$3,341/mo
Today · 4.125%
HK$112,335
baseline
▲ 0.50% · 4.625%
HK$119,170
+HK$6,835/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$224,670/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,597
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,751
−HK$3,200/mo
Today · 4.125%
HK$123,951
baseline
▲ 0.50% · 4.625%
HK$130,484
+HK$6,533/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$247,902/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,848
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,793
−HK$4,009/mo
Today · 4.125%
HK$134,802
baseline
▲ 0.50% · 4.625%
HK$143,004
+HK$8,202/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,604/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,117
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,901
−HK$3,840/mo
Today · 4.125%
HK$148,741
baseline
▲ 0.50% · 4.625%
HK$156,581
+HK$7,840/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,482/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,989
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,592
−HK$4,677/mo
Today · 4.125%
HK$157,269
baseline
▲ 0.50% · 4.625%
HK$166,838
+HK$9,569/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$314,538/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,636
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$169,052
−HK$4,479/mo
Today · 4.125%
HK$173,531
baseline
▲ 0.50% · 4.625%
HK$182,678
+HK$9,147/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$347,062/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,271
−HK$11,932/mo
▼ 0.25% · 3.875%
HK$196,190
−HK$6,013/mo
Today · 4.125%
HK$202,203
baseline
▲ 0.50% · 4.625%
HK$214,507
+HK$12,304/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$404,406/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,675
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$217,352
−HK$5,759/mo
Today · 4.125%
HK$223,111
baseline
▲ 0.50% · 4.625%
HK$234,872
+HK$11,761/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$446,222/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,181 · Scale 2, in force from 26 Feb 2026)