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$106,806
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,128
−HK$3,376/mo
Today · 4.125%
HK$113,504
baseline
▲ 0.50% · 4.625%
HK$120,410
+HK$6,906/mo
Deposit HK$23.42M · loan HK$23.42M · min. income ≈ HK$227,008/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,821
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,008
−HK$3,232/mo
Today · 4.125%
HK$125,240
baseline
▲ 0.50% · 4.625%
HK$131,842
+HK$6,602/mo
Deposit HK$23.42M · loan HK$23.42M · min. income ≈ HK$250,480/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,167
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,154
−HK$4,051/mo
Today · 4.125%
HK$136,205
baseline
▲ 0.50% · 4.625%
HK$144,492
+HK$8,287/mo
Deposit HK$18.74M · loan HK$28.10M · min. income ≈ HK$272,410/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,585
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$146,409
−HK$3,879/mo
Today · 4.125%
HK$150,288
baseline
▲ 0.50% · 4.625%
HK$158,210
+HK$7,922/mo
Deposit HK$18.74M · loan HK$28.10M · min. income ≈ HK$300,576/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,529
−HK$9,376/mo
▼ 0.25% · 3.875%
HK$154,180
−HK$4,725/mo
Today · 4.125%
HK$158,905
baseline
▲ 0.50% · 4.625%
HK$168,574
+HK$9,669/mo
Deposit HK$14.05M · loan HK$32.79M · min. income ≈ HK$317,810/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,349
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$170,811
−HK$4,525/mo
Today · 4.125%
HK$175,336
baseline
▲ 0.50% · 4.625%
HK$184,579
+HK$9,243/mo
Deposit HK$14.05M · loan HK$32.79M · min. income ≈ HK$350,672/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,251
−HK$12,056/mo
▼ 0.25% · 3.875%
HK$198,231
−HK$6,076/mo
Today · 4.125%
HK$204,307
baseline
▲ 0.50% · 4.625%
HK$216,739
+HK$12,432/mo
Deposit HK$4.68M · loan HK$42.16M · min. income ≈ HK$408,614/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,877
−HK$11,556/mo
▼ 0.25% · 3.875%
HK$219,614
−HK$5,819/mo
Today · 4.125%
HK$225,433
baseline
▲ 0.50% · 4.625%
HK$237,315
+HK$11,882/mo
Deposit HK$4.68M · loan HK$42.16M · min. income ≈ HK$450,866/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,990,681 · Scale 2, in force from 26 Feb 2026)