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$105,173
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,444
−HK$3,324/mo
Today · 4.125%
HK$111,768
baseline
▲ 0.50% · 4.625%
HK$118,569
+HK$6,801/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,536/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,004
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,142
−HK$3,183/mo
Today · 4.125%
HK$123,325
baseline
▲ 0.50% · 4.625%
HK$129,826
+HK$6,501/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,650/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,208
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,133
−HK$3,989/mo
Today · 4.125%
HK$134,122
baseline
▲ 0.50% · 4.625%
HK$142,283
+HK$8,161/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,244/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,405
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,170
−HK$3,820/mo
Today · 4.125%
HK$147,990
baseline
▲ 0.50% · 4.625%
HK$155,791
+HK$7,801/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,980/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,242
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$151,822
−HK$4,654/mo
Today · 4.125%
HK$156,476
baseline
▲ 0.50% · 4.625%
HK$165,997
+HK$9,521/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$312,952/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,805
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,199
−HK$4,456/mo
Today · 4.125%
HK$172,655
baseline
▲ 0.50% · 4.625%
HK$181,756
+HK$9,101/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,310/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,311
−HK$11,872/mo
▼ 0.25% · 3.875%
HK$195,200
−HK$5,983/mo
Today · 4.125%
HK$201,183
baseline
▲ 0.50% · 4.625%
HK$213,424
+HK$12,241/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,366/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,607
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$216,255
−HK$5,730/mo
Today · 4.125%
HK$221,985
baseline
▲ 0.50% · 4.625%
HK$233,687
+HK$11,702/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,970/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,241 · Scale 2, in force from 26 Feb 2026)