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$106,884
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,209
−HK$3,378/mo
Today · 4.125%
HK$113,587
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,911/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,174/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,908
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,097
−HK$3,235/mo
Today · 4.125%
HK$125,332
baseline
▲ 0.50% · 4.625%
HK$131,938
+HK$6,606/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,664/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,261
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,251
−HK$4,053/mo
Today · 4.125%
HK$136,304
baseline
▲ 0.50% · 4.625%
HK$144,598
+HK$8,294/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$272,608/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,689
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,516
−HK$3,882/mo
Today · 4.125%
HK$150,398
baseline
▲ 0.50% · 4.625%
HK$158,326
+HK$7,928/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$300,796/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,638
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,293
−HK$4,729/mo
Today · 4.125%
HK$159,022
baseline
▲ 0.50% · 4.625%
HK$168,698
+HK$9,676/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$318,044/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,471
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,936
−HK$4,529/mo
Today · 4.125%
HK$175,465
baseline
▲ 0.50% · 4.625%
HK$184,714
+HK$9,249/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$350,930/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,392
−HK$12,065/mo
▼ 0.25% · 3.875%
HK$198,376
−HK$6,081/mo
Today · 4.125%
HK$204,457
baseline
▲ 0.50% · 4.625%
HK$216,897
+HK$12,440/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$408,914/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,034
−HK$11,564/mo
▼ 0.25% · 3.875%
HK$219,774
−HK$5,824/mo
Today · 4.125%
HK$225,598
baseline
▲ 0.50% · 4.625%
HK$237,489
+HK$11,891/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$451,196/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,139 · Scale 2, in force from 26 Feb 2026)