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$106,683
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,002
−HK$3,371/mo
Today · 4.125%
HK$113,373
baseline
▲ 0.50% · 4.625%
HK$120,272
+HK$6,899/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,746/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,684
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,867
−HK$3,229/mo
Today · 4.125%
HK$125,096
baseline
▲ 0.50% · 4.625%
HK$131,690
+HK$6,594/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,192/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,020
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,002
−HK$4,046/mo
Today · 4.125%
HK$136,048
baseline
▲ 0.50% · 4.625%
HK$144,326
+HK$8,278/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$272,096/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,421
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,241
−HK$3,875/mo
Today · 4.125%
HK$150,116
baseline
▲ 0.50% · 4.625%
HK$158,028
+HK$7,912/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$300,232/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,357
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$154,003
−HK$4,720/mo
Today · 4.125%
HK$158,723
baseline
▲ 0.50% · 4.625%
HK$168,381
+HK$9,658/mo
Deposit HK$14.04M · loan HK$32.75M · min. income ≈ HK$317,446/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,158
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,614
−HK$4,521/mo
Today · 4.125%
HK$175,135
baseline
▲ 0.50% · 4.625%
HK$184,366
+HK$9,231/mo
Deposit HK$14.04M · loan HK$32.75M · min. income ≈ HK$350,270/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,030
−HK$12,042/mo
▼ 0.25% · 3.875%
HK$198,003
−HK$6,069/mo
Today · 4.125%
HK$204,072
baseline
▲ 0.50% · 4.625%
HK$216,489
+HK$12,417/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$408,144/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,632
−HK$11,541/mo
▼ 0.25% · 3.875%
HK$219,361
−HK$5,812/mo
Today · 4.125%
HK$225,173
baseline
▲ 0.50% · 4.625%
HK$237,043
+HK$11,870/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$450,346/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,392 · Scale 2, in force from 26 Feb 2026)