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$106,970
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,297
−HK$3,381/mo
Today · 4.125%
HK$113,678
baseline
▲ 0.50% · 4.625%
HK$120,595
+HK$6,917/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$227,356/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,003
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,194
−HK$3,238/mo
Today · 4.125%
HK$125,432
baseline
▲ 0.50% · 4.625%
HK$132,044
+HK$6,612/mo
Deposit HK$23.46M · loan HK$23.46M · min. income ≈ HK$250,864/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,364
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,357
−HK$4,056/mo
Today · 4.125%
HK$136,413
baseline
▲ 0.50% · 4.625%
HK$144,714
+HK$8,301/mo
Deposit HK$18.76M · loan HK$28.15M · min. income ≈ HK$272,826/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,803
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,633
−HK$3,886/mo
Today · 4.125%
HK$150,519
baseline
▲ 0.50% · 4.625%
HK$158,453
+HK$7,934/mo
Deposit HK$18.76M · loan HK$28.15M · min. income ≈ HK$301,038/mo (50% DSR)
Upfront cash ≈ HK$20.76M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,758
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$154,416
−HK$4,733/mo
Today · 4.125%
HK$159,149
baseline
▲ 0.50% · 4.625%
HK$168,833
+HK$9,684/mo
Deposit HK$14.07M · loan HK$32.84M · min. income ≈ HK$318,298/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,604
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,072
−HK$4,533/mo
Today · 4.125%
HK$175,605
baseline
▲ 0.50% · 4.625%
HK$184,861
+HK$9,256/mo
Deposit HK$14.07M · loan HK$32.84M · min. income ≈ HK$351,210/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,546
−HK$12,074/mo
▼ 0.25% · 3.875%
HK$198,535
−HK$6,085/mo
Today · 4.125%
HK$204,620
baseline
▲ 0.50% · 4.625%
HK$217,070
+HK$12,450/mo
Deposit HK$4.69M · loan HK$42.22M · min. income ≈ HK$409,240/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,205
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$219,950
−HK$5,828/mo
Today · 4.125%
HK$225,778
baseline
▲ 0.50% · 4.625%
HK$237,679
+HK$11,901/mo
Deposit HK$4.69M · loan HK$42.22M · min. income ≈ HK$451,556/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,993,730 · Scale 2, in force from 26 Feb 2026)