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$106,560
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,875
−HK$3,367/mo
Today · 4.125%
HK$113,242
baseline
▲ 0.50% · 4.625%
HK$120,133
+HK$6,891/mo
Deposit HK$23.37M · loan HK$23.37M · min. income ≈ HK$226,484/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,547
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,726
−HK$3,226/mo
Today · 4.125%
HK$124,952
baseline
▲ 0.50% · 4.625%
HK$131,538
+HK$6,586/mo
Deposit HK$23.37M · loan HK$23.37M · min. income ≈ HK$249,904/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,872
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,850
−HK$4,041/mo
Today · 4.125%
HK$135,891
baseline
▲ 0.50% · 4.625%
HK$144,159
+HK$8,268/mo
Deposit HK$18.69M · loan HK$28.04M · min. income ≈ HK$271,782/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,256
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$146,072
−HK$3,870/mo
Today · 4.125%
HK$149,942
baseline
▲ 0.50% · 4.625%
HK$157,846
+HK$7,904/mo
Deposit HK$18.69M · loan HK$28.04M · min. income ≈ HK$299,884/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,184
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,824
−HK$4,715/mo
Today · 4.125%
HK$158,539
baseline
▲ 0.50% · 4.625%
HK$168,186
+HK$9,647/mo
Deposit HK$14.02M · loan HK$32.71M · min. income ≈ HK$317,078/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,966
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$170,417
−HK$4,515/mo
Today · 4.125%
HK$174,932
baseline
▲ 0.50% · 4.625%
HK$184,153
+HK$9,221/mo
Deposit HK$14.02M · loan HK$32.71M · min. income ≈ HK$349,864/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,808
−HK$12,028/mo
▼ 0.25% · 3.875%
HK$197,774
−HK$6,062/mo
Today · 4.125%
HK$203,836
baseline
▲ 0.50% · 4.625%
HK$216,239
+HK$12,403/mo
Deposit HK$4.67M · loan HK$42.06M · min. income ≈ HK$407,672/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,384
−HK$11,529/mo
▼ 0.25% · 3.875%
HK$219,107
−HK$5,806/mo
Today · 4.125%
HK$224,913
baseline
▲ 0.50% · 4.625%
HK$236,768
+HK$11,855/mo
Deposit HK$4.67M · loan HK$42.06M · min. income ≈ HK$449,826/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,093 · Scale 2, in force from 26 Feb 2026)