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$106,877
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,202
−HK$3,377/mo
Today · 4.125%
HK$113,579
baseline
▲ 0.50% · 4.625%
HK$120,490
+HK$6,911/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,158/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,900
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,088
−HK$3,235/mo
Today · 4.125%
HK$125,323
baseline
▲ 0.50% · 4.625%
HK$131,929
+HK$6,606/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,646/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,252
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,242
−HK$4,053/mo
Today · 4.125%
HK$136,295
baseline
▲ 0.50% · 4.625%
HK$144,588
+HK$8,293/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$272,590/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,680
−HK$7,708/mo
▼ 0.25% · 3.875%
HK$146,506
−HK$3,882/mo
Today · 4.125%
HK$150,388
baseline
▲ 0.50% · 4.625%
HK$158,315
+HK$7,927/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$300,776/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,628
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$154,282
−HK$4,729/mo
Today · 4.125%
HK$159,011
baseline
▲ 0.50% · 4.625%
HK$168,686
+HK$9,675/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$318,022/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,459
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,924
−HK$4,529/mo
Today · 4.125%
HK$175,453
baseline
▲ 0.50% · 4.625%
HK$184,701
+HK$9,248/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$350,906/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,379
−HK$12,064/mo
▼ 0.25% · 3.875%
HK$198,363
−HK$6,080/mo
Today · 4.125%
HK$204,443
baseline
▲ 0.50% · 4.625%
HK$216,882
+HK$12,439/mo
Deposit HK$4.69M · loan HK$42.18M · min. income ≈ HK$408,886/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,019
−HK$11,563/mo
▼ 0.25% · 3.875%
HK$219,759
−HK$5,823/mo
Today · 4.125%
HK$225,582
baseline
▲ 0.50% · 4.625%
HK$237,473
+HK$11,891/mo
Deposit HK$4.69M · loan HK$42.18M · min. income ≈ HK$451,164/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,002 · Scale 2, in force from 26 Feb 2026)