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$105,274
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,549
−HK$3,327/mo
Today · 4.125%
HK$111,876
baseline
▲ 0.50% · 4.625%
HK$118,683
+HK$6,807/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,752/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,116
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,257
−HK$3,187/mo
Today · 4.125%
HK$123,444
baseline
▲ 0.50% · 4.625%
HK$129,950
+HK$6,506/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,888/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,329
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$130,258
−HK$3,993/mo
Today · 4.125%
HK$134,251
baseline
▲ 0.50% · 4.625%
HK$142,419
+HK$8,168/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$268,502/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,539
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,309
−HK$3,823/mo
Today · 4.125%
HK$148,132
baseline
▲ 0.50% · 4.625%
HK$155,941
+HK$7,809/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$296,264/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,383
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,968
−HK$4,658/mo
Today · 4.125%
HK$156,626
baseline
▲ 0.50% · 4.625%
HK$166,156
+HK$9,530/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$313,252/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,963
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$168,360
−HK$4,461/mo
Today · 4.125%
HK$172,821
baseline
▲ 0.50% · 4.625%
HK$181,931
+HK$9,110/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$345,642/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,493
−HK$11,883/mo
▼ 0.25% · 3.875%
HK$195,387
−HK$5,989/mo
Today · 4.125%
HK$201,376
baseline
▲ 0.50% · 4.625%
HK$213,629
+HK$12,253/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$402,752/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,809
−HK$11,389/mo
▼ 0.25% · 3.875%
HK$216,463
−HK$5,735/mo
Today · 4.125%
HK$222,198
baseline
▲ 0.50% · 4.625%
HK$233,911
+HK$11,713/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$444,396/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,123 · Scale 2, in force from 26 Feb 2026)