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$107,059
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,389
−HK$3,383/mo
Today · 4.125%
HK$113,772
baseline
▲ 0.50% · 4.625%
HK$120,695
+HK$6,923/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$227,544/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,102
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,296
−HK$3,240/mo
Today · 4.125%
HK$125,536
baseline
▲ 0.50% · 4.625%
HK$132,153
+HK$6,617/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$251,072/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,470
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,466
−HK$4,061/mo
Today · 4.125%
HK$136,527
baseline
▲ 0.50% · 4.625%
HK$144,834
+HK$8,307/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$273,054/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,922
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,755
−HK$3,889/mo
Today · 4.125%
HK$150,644
baseline
▲ 0.50% · 4.625%
HK$158,584
+HK$7,940/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$301,288/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,882
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$154,544
−HK$4,737/mo
Today · 4.125%
HK$159,281
baseline
▲ 0.50% · 4.625%
HK$168,973
+HK$9,692/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$318,562/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,742
−HK$9,009/mo
▼ 0.25% · 3.875%
HK$171,214
−HK$4,537/mo
Today · 4.125%
HK$175,751
baseline
▲ 0.50% · 4.625%
HK$185,015
+HK$9,264/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$351,502/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,705
−HK$12,085/mo
▼ 0.25% · 3.875%
HK$198,700
−HK$6,090/mo
Today · 4.125%
HK$204,790
baseline
▲ 0.50% · 4.625%
HK$217,251
+HK$12,461/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$409,580/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,383
−HK$11,582/mo
▼ 0.25% · 3.875%
HK$220,133
−HK$5,832/mo
Today · 4.125%
HK$225,965
baseline
▲ 0.50% · 4.625%
HK$237,876
+HK$11,911/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$451,930/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,386 · Scale 2, in force from 26 Feb 2026)