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$106,621
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,937
−HK$3,370/mo
Today · 4.125%
HK$113,307
baseline
▲ 0.50% · 4.625%
HK$120,201
+HK$6,894/mo
Deposit HK$23.38M · loan HK$23.38M · min. income ≈ HK$226,614/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,614
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,796
−HK$3,227/mo
Today · 4.125%
HK$125,023
baseline
▲ 0.50% · 4.625%
HK$131,613
+HK$6,590/mo
Deposit HK$23.38M · loan HK$23.38M · min. income ≈ HK$250,046/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,945
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,925
−HK$4,043/mo
Today · 4.125%
HK$135,968
baseline
▲ 0.50% · 4.625%
HK$144,241
+HK$8,273/mo
Deposit HK$18.70M · loan HK$28.05M · min. income ≈ HK$271,936/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,337
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,155
−HK$3,872/mo
Today · 4.125%
HK$150,027
baseline
▲ 0.50% · 4.625%
HK$157,935
+HK$7,908/mo
Deposit HK$18.70M · loan HK$28.05M · min. income ≈ HK$300,054/mo (50% DSR)
Upfront cash ≈ HK$20.69M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,269
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$153,912
−HK$4,717/mo
Today · 4.125%
HK$158,629
baseline
▲ 0.50% · 4.625%
HK$168,282
+HK$9,653/mo
Deposit HK$14.03M · loan HK$32.73M · min. income ≈ HK$317,258/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,060
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$170,514
−HK$4,518/mo
Today · 4.125%
HK$175,032
baseline
▲ 0.50% · 4.625%
HK$184,258
+HK$9,226/mo
Deposit HK$14.03M · loan HK$32.73M · min. income ≈ HK$350,064/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,917
−HK$12,035/mo
▼ 0.25% · 3.875%
HK$197,887
−HK$6,065/mo
Today · 4.125%
HK$203,952
baseline
▲ 0.50% · 4.625%
HK$216,362
+HK$12,410/mo
Deposit HK$4.68M · loan HK$42.08M · min. income ≈ HK$407,904/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,506
−HK$11,535/mo
▼ 0.25% · 3.875%
HK$219,232
−HK$5,809/mo
Today · 4.125%
HK$225,041
baseline
▲ 0.50% · 4.625%
HK$236,903
+HK$11,862/mo
Deposit HK$4.68M · loan HK$42.08M · min. income ≈ HK$450,082/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,987,223 · Scale 2, in force from 26 Feb 2026)