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$105,887
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,180
−HK$3,347/mo
Today · 4.125%
HK$112,527
baseline
▲ 0.50% · 4.625%
HK$119,374
+HK$6,847/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,054/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,798
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,957
−HK$3,205/mo
Today · 4.125%
HK$124,162
baseline
▲ 0.50% · 4.625%
HK$130,707
+HK$6,545/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,324/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,064
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,016
−HK$4,016/mo
Today · 4.125%
HK$135,032
baseline
▲ 0.50% · 4.625%
HK$143,248
+HK$8,216/mo
Deposit HK$18.57M · loan HK$27.86M · min. income ≈ HK$270,064/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,357
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,148
−HK$3,846/mo
Today · 4.125%
HK$148,994
baseline
▲ 0.50% · 4.625%
HK$156,848
+HK$7,854/mo
Deposit HK$18.57M · loan HK$27.86M · min. income ≈ HK$297,988/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,241
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,852
−HK$4,685/mo
Today · 4.125%
HK$157,537
baseline
▲ 0.50% · 4.625%
HK$167,123
+HK$9,586/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,074/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,917
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,340
−HK$4,487/mo
Today · 4.125%
HK$173,827
baseline
▲ 0.50% · 4.625%
HK$182,989
+HK$9,162/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,654/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,596
−HK$11,952/mo
▼ 0.25% · 3.875%
HK$196,524
−HK$6,024/mo
Today · 4.125%
HK$202,548
baseline
▲ 0.50% · 4.625%
HK$214,872
+HK$12,324/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$405,096/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,036
−HK$11,456/mo
▼ 0.25% · 3.875%
HK$217,723
−HK$5,769/mo
Today · 4.125%
HK$223,492
baseline
▲ 0.50% · 4.625%
HK$235,272
+HK$11,780/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$446,984/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,541 · Scale 2, in force from 26 Feb 2026)