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$105,151
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,422
−HK$3,323/mo
Today · 4.125%
HK$111,745
baseline
▲ 0.50% · 4.625%
HK$118,545
+HK$6,800/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,490/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,980
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,117
−HK$3,183/mo
Today · 4.125%
HK$123,300
baseline
▲ 0.50% · 4.625%
HK$129,799
+HK$6,499/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,600/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,182
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,107
−HK$3,987/mo
Today · 4.125%
HK$134,094
baseline
▲ 0.50% · 4.625%
HK$142,254
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,188/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,376
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,141
−HK$3,819/mo
Today · 4.125%
HK$147,960
baseline
▲ 0.50% · 4.625%
HK$155,759
+HK$7,799/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,920/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,212
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,791
−HK$4,652/mo
Today · 4.125%
HK$156,443
baseline
▲ 0.50% · 4.625%
HK$165,963
+HK$9,520/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,886/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,772
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,164
−HK$4,456/mo
Today · 4.125%
HK$172,620
baseline
▲ 0.50% · 4.625%
HK$181,719
+HK$9,099/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,240/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,272
−HK$11,869/mo
▼ 0.25% · 3.875%
HK$195,160
−HK$5,981/mo
Today · 4.125%
HK$201,141
baseline
▲ 0.50% · 4.625%
HK$213,380
+HK$12,239/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,282/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,564
−HK$11,376/mo
▼ 0.25% · 3.875%
HK$216,211
−HK$5,729/mo
Today · 4.125%
HK$221,940
baseline
▲ 0.50% · 4.625%
HK$233,639
+HK$11,699/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,880/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,838 · Scale 2, in force from 26 Feb 2026)