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$107,132
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,465
−HK$3,386/mo
Today · 4.125%
HK$113,851
baseline
▲ 0.50% · 4.625%
HK$120,778
+HK$6,927/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$227,702/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,184
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,380
−HK$3,243/mo
Today · 4.125%
HK$125,623
baseline
▲ 0.50% · 4.625%
HK$132,245
+HK$6,622/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$251,246/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,559
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$132,558
−HK$4,063/mo
Today · 4.125%
HK$136,621
baseline
▲ 0.50% · 4.625%
HK$144,934
+HK$8,313/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$273,242/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,020
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$146,856
−HK$3,891/mo
Today · 4.125%
HK$150,747
baseline
▲ 0.50% · 4.625%
HK$158,694
+HK$7,947/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$301,494/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,985
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$154,651
−HK$4,740/mo
Today · 4.125%
HK$159,391
baseline
▲ 0.50% · 4.625%
HK$169,089
+HK$9,698/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$318,782/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,857
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$171,332
−HK$4,540/mo
Today · 4.125%
HK$175,872
baseline
▲ 0.50% · 4.625%
HK$185,142
+HK$9,270/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$351,744/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,838
−HK$12,093/mo
▼ 0.25% · 3.875%
HK$198,837
−HK$6,094/mo
Today · 4.125%
HK$204,931
baseline
▲ 0.50% · 4.625%
HK$217,401
+HK$12,470/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$409,862/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,531
−HK$11,590/mo
▼ 0.25% · 3.875%
HK$220,284
−HK$5,837/mo
Today · 4.125%
HK$226,121
baseline
▲ 0.50% · 4.625%
HK$238,040
+HK$11,919/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$452,242/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,996,761 · Scale 2, in force from 26 Feb 2026)