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$105,054
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,322
−HK$3,320/mo
Today · 4.125%
HK$111,642
baseline
▲ 0.50% · 4.625%
HK$118,435
+HK$6,793/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$223,284/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,872
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,006
−HK$3,180/mo
Today · 4.125%
HK$123,186
baseline
▲ 0.50% · 4.625%
HK$129,680
+HK$6,494/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$246,372/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,065
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,987
−HK$3,984/mo
Today · 4.125%
HK$133,971
baseline
▲ 0.50% · 4.625%
HK$142,123
+HK$8,152/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$267,942/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,246
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,008
−HK$3,815/mo
Today · 4.125%
HK$147,823
baseline
▲ 0.50% · 4.625%
HK$155,615
+HK$7,792/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$295,646/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,076
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$151,651
−HK$4,648/mo
Today · 4.125%
HK$156,299
baseline
▲ 0.50% · 4.625%
HK$165,810
+HK$9,511/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$312,598/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,621
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,009
−HK$4,452/mo
Today · 4.125%
HK$172,461
baseline
▲ 0.50% · 4.625%
HK$181,551
+HK$9,090/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$344,922/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,098
−HK$11,858/mo
▼ 0.25% · 3.875%
HK$194,980
−HK$5,976/mo
Today · 4.125%
HK$200,956
baseline
▲ 0.50% · 4.625%
HK$213,184
+HK$12,228/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$401,912/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,370
−HK$11,365/mo
▼ 0.25% · 3.875%
HK$216,012
−HK$5,723/mo
Today · 4.125%
HK$221,735
baseline
▲ 0.50% · 4.625%
HK$233,423
+HK$11,688/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$443,470/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,032 · Scale 2, in force from 26 Feb 2026)