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$106,985
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,313
−HK$3,381/mo
Today · 4.125%
HK$113,694
baseline
▲ 0.50% · 4.625%
HK$120,612
+HK$6,918/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$227,388/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,020
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,212
−HK$3,239/mo
Today · 4.125%
HK$125,451
baseline
▲ 0.50% · 4.625%
HK$132,063
+HK$6,612/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$250,902/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,383
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,376
−HK$4,057/mo
Today · 4.125%
HK$136,433
baseline
▲ 0.50% · 4.625%
HK$144,735
+HK$8,302/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$272,866/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,824
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,655
−HK$3,886/mo
Today · 4.125%
HK$150,541
baseline
▲ 0.50% · 4.625%
HK$158,476
+HK$7,935/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$301,082/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,780
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,439
−HK$4,733/mo
Today · 4.125%
HK$159,172
baseline
▲ 0.50% · 4.625%
HK$168,857
+HK$9,685/mo
Deposit HK$14.08M · loan HK$32.84M · min. income ≈ HK$318,344/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,628
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$171,097
−HK$4,534/mo
Today · 4.125%
HK$175,631
baseline
▲ 0.50% · 4.625%
HK$184,889
+HK$9,258/mo
Deposit HK$14.08M · loan HK$32.84M · min. income ≈ HK$351,262/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,574
−HK$12,076/mo
▼ 0.25% · 3.875%
HK$198,564
−HK$6,086/mo
Today · 4.125%
HK$204,650
baseline
▲ 0.50% · 4.625%
HK$217,102
+HK$12,452/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$409,300/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,236
−HK$11,575/mo
▼ 0.25% · 3.875%
HK$219,982
−HK$5,829/mo
Today · 4.125%
HK$225,811
baseline
▲ 0.50% · 4.625%
HK$237,714
+HK$11,903/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$451,622/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,023 · Scale 2, in force from 26 Feb 2026)