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$106,988
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,316
−HK$3,381/mo
Today · 4.125%
HK$113,697
baseline
▲ 0.50% · 4.625%
HK$120,616
+HK$6,919/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$227,394/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,023
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,216
−HK$3,238/mo
Today · 4.125%
HK$125,454
baseline
▲ 0.50% · 4.625%
HK$132,067
+HK$6,613/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$250,908/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,386
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,380
−HK$4,057/mo
Today · 4.125%
HK$136,437
baseline
▲ 0.50% · 4.625%
HK$144,739
+HK$8,302/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$272,874/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,828
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,659
−HK$3,886/mo
Today · 4.125%
HK$150,545
baseline
▲ 0.50% · 4.625%
HK$158,480
+HK$7,935/mo
Deposit HK$18.77M · loan HK$28.15M · min. income ≈ HK$301,090/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,784
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,443
−HK$4,733/mo
Today · 4.125%
HK$159,176
baseline
▲ 0.50% · 4.625%
HK$168,862
+HK$9,686/mo
Deposit HK$14.08M · loan HK$32.84M · min. income ≈ HK$318,352/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,633
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$171,102
−HK$4,533/mo
Today · 4.125%
HK$175,635
baseline
▲ 0.50% · 4.625%
HK$184,893
+HK$9,258/mo
Deposit HK$14.08M · loan HK$32.84M · min. income ≈ HK$351,270/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,579
−HK$12,076/mo
▼ 0.25% · 3.875%
HK$198,569
−HK$6,086/mo
Today · 4.125%
HK$204,655
baseline
▲ 0.50% · 4.625%
HK$217,108
+HK$12,453/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$409,310/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,242
−HK$11,575/mo
▼ 0.25% · 3.875%
HK$219,988
−HK$5,829/mo
Today · 4.125%
HK$225,817
baseline
▲ 0.50% · 4.625%
HK$237,720
+HK$11,903/mo
Deposit HK$4.69M · loan HK$42.23M · min. income ≈ HK$451,634/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,994,076 · Scale 2, in force from 26 Feb 2026)