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$105,841
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,133
−HK$3,345/mo
Today · 4.125%
HK$112,478
baseline
▲ 0.50% · 4.625%
HK$119,322
+HK$6,844/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,956/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,747
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,905
−HK$3,204/mo
Today · 4.125%
HK$124,109
baseline
▲ 0.50% · 4.625%
HK$130,651
+HK$6,542/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,218/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,009
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,960
−HK$4,014/mo
Today · 4.125%
HK$134,974
baseline
▲ 0.50% · 4.625%
HK$143,187
+HK$8,213/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,948/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,297
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,086
−HK$3,844/mo
Today · 4.125%
HK$148,930
baseline
▲ 0.50% · 4.625%
HK$156,781
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,860/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,178
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$152,787
−HK$4,683/mo
Today · 4.125%
HK$157,470
baseline
▲ 0.50% · 4.625%
HK$167,051
+HK$9,581/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$314,940/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,846
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$169,267
−HK$4,485/mo
Today · 4.125%
HK$173,752
baseline
▲ 0.50% · 4.625%
HK$182,911
+HK$9,159/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$347,504/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,514
−HK$11,947/mo
▼ 0.25% · 3.875%
HK$196,440
−HK$6,021/mo
Today · 4.125%
HK$202,461
baseline
▲ 0.50% · 4.625%
HK$214,780
+HK$12,319/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$404,922/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,945
−HK$11,451/mo
▼ 0.25% · 3.875%
HK$217,629
−HK$5,767/mo
Today · 4.125%
HK$223,396
baseline
▲ 0.50% · 4.625%
HK$235,171
+HK$11,775/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$446,792/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,694 · Scale 2, in force from 26 Feb 2026)