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$104,925
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,189
−HK$3,316/mo
Today · 4.125%
HK$111,505
baseline
▲ 0.50% · 4.625%
HK$118,290
+HK$6,785/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$223,010/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,728
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,859
−HK$3,176/mo
Today · 4.125%
HK$123,035
baseline
▲ 0.50% · 4.625%
HK$129,520
+HK$6,485/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,070/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,910
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,827
−HK$3,979/mo
Today · 4.125%
HK$133,806
baseline
▲ 0.50% · 4.625%
HK$141,948
+HK$8,142/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$267,612/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,074
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,831
−HK$3,811/mo
Today · 4.125%
HK$147,642
baseline
▲ 0.50% · 4.625%
HK$155,424
+HK$7,782/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$295,284/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,896
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$151,465
−HK$4,642/mo
Today · 4.125%
HK$156,107
baseline
▲ 0.50% · 4.625%
HK$165,606
+HK$9,499/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,214/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,420
−HK$8,829/mo
▼ 0.25% · 3.875%
HK$167,803
−HK$4,446/mo
Today · 4.125%
HK$172,249
baseline
▲ 0.50% · 4.625%
HK$181,328
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,498/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,866
−HK$11,843/mo
▼ 0.25% · 3.875%
HK$194,740
−HK$5,969/mo
Today · 4.125%
HK$200,709
baseline
▲ 0.50% · 4.625%
HK$212,922
+HK$12,213/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,418/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,111
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$215,746
−HK$5,717/mo
Today · 4.125%
HK$221,463
baseline
▲ 0.50% · 4.625%
HK$233,136
+HK$11,673/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,926/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,627 · Scale 2, in force from 26 Feb 2026)