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$105,184
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,456
−HK$3,324/mo
Today · 4.125%
HK$111,780
baseline
▲ 0.50% · 4.625%
HK$118,581
+HK$6,801/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,560/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,016
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,154
−HK$3,184/mo
Today · 4.125%
HK$123,338
baseline
▲ 0.50% · 4.625%
HK$129,839
+HK$6,501/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,676/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,221
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,147
−HK$3,989/mo
Today · 4.125%
HK$134,136
baseline
▲ 0.50% · 4.625%
HK$142,298
+HK$8,162/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,272/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,419
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,185
−HK$3,821/mo
Today · 4.125%
HK$148,006
baseline
▲ 0.50% · 4.625%
HK$155,807
+HK$7,801/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$296,012/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,257
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,838
−HK$4,654/mo
Today · 4.125%
HK$156,492
baseline
▲ 0.50% · 4.625%
HK$166,014
+HK$9,522/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$312,984/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,822
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$168,216
−HK$4,457/mo
Today · 4.125%
HK$172,673
baseline
▲ 0.50% · 4.625%
HK$181,775
+HK$9,102/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,346/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,331
−HK$11,873/mo
▼ 0.25% · 3.875%
HK$195,220
−HK$5,984/mo
Today · 4.125%
HK$201,204
baseline
▲ 0.50% · 4.625%
HK$213,446
+HK$12,242/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$402,408/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,629
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$216,278
−HK$5,730/mo
Today · 4.125%
HK$222,008
baseline
▲ 0.50% · 4.625%
HK$233,711
+HK$11,703/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$444,016/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,444 · Scale 2, in force from 26 Feb 2026)