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$105,410
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$108,689
−HK$3,332/mo
Today · 4.125%
HK$112,021
baseline
▲ 0.50% · 4.625%
HK$118,837
+HK$6,816/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$224,042/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,268
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,413
−HK$3,191/mo
Today · 4.125%
HK$123,604
baseline
▲ 0.50% · 4.625%
HK$130,119
+HK$6,515/mo
Deposit HK$23.11M · loan HK$23.11M · min. income ≈ HK$247,208/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,493
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,427
−HK$3,998/mo
Today · 4.125%
HK$134,425
baseline
▲ 0.50% · 4.625%
HK$142,604
+HK$8,179/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$268,850/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,722
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,496
−HK$3,829/mo
Today · 4.125%
HK$148,325
baseline
▲ 0.50% · 4.625%
HK$156,143
+HK$7,818/mo
Deposit HK$18.49M · loan HK$27.74M · min. income ≈ HK$296,650/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,575
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$152,165
−HK$4,664/mo
Today · 4.125%
HK$156,829
baseline
▲ 0.50% · 4.625%
HK$166,372
+HK$9,543/mo
Deposit HK$13.87M · loan HK$32.36M · min. income ≈ HK$313,658/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,175
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$168,578
−HK$4,467/mo
Today · 4.125%
HK$173,045
baseline
▲ 0.50% · 4.625%
HK$182,167
+HK$9,122/mo
Deposit HK$13.87M · loan HK$32.36M · min. income ≈ HK$346,090/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,739
−HK$11,898/mo
▼ 0.25% · 3.875%
HK$195,641
−HK$5,996/mo
Today · 4.125%
HK$201,637
baseline
▲ 0.50% · 4.625%
HK$213,906
+HK$12,269/mo
Deposit HK$4.62M · loan HK$41.60M · min. income ≈ HK$403,274/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,083
−HK$11,404/mo
▼ 0.25% · 3.875%
HK$216,744
−HK$5,743/mo
Today · 4.125%
HK$222,487
baseline
▲ 0.50% · 4.625%
HK$234,214
+HK$11,727/mo
Deposit HK$4.62M · loan HK$41.60M · min. income ≈ HK$444,974/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,964,668 · Scale 2, in force from 26 Feb 2026)