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$105,511
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,793
−HK$3,334/mo
Today · 4.125%
HK$112,127
baseline
▲ 0.50% · 4.625%
HK$118,950
+HK$6,823/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,254/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,380
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,528
−HK$3,193/mo
Today · 4.125%
HK$123,721
baseline
▲ 0.50% · 4.625%
HK$130,243
+HK$6,522/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,442/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,613
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,551
−HK$4,002/mo
Today · 4.125%
HK$134,553
baseline
▲ 0.50% · 4.625%
HK$142,740
+HK$8,187/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$269,106/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,856
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,633
−HK$3,833/mo
Today · 4.125%
HK$148,466
baseline
▲ 0.50% · 4.625%
HK$156,292
+HK$7,826/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$296,932/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,715
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$152,310
−HK$4,668/mo
Today · 4.125%
HK$156,978
baseline
▲ 0.50% · 4.625%
HK$166,530
+HK$9,552/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$313,956/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,332
−HK$8,878/mo
▼ 0.25% · 3.875%
HK$168,739
−HK$4,471/mo
Today · 4.125%
HK$173,210
baseline
▲ 0.50% · 4.625%
HK$182,340
+HK$9,130/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$346,420/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,920
−HK$11,909/mo
▼ 0.25% · 3.875%
HK$195,827
−HK$6,002/mo
Today · 4.125%
HK$201,829
baseline
▲ 0.50% · 4.625%
HK$214,110
+HK$12,281/mo
Deposit HK$4.63M · loan HK$41.64M · min. income ≈ HK$403,658/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,284
−HK$11,415/mo
▼ 0.25% · 3.875%
HK$216,950
−HK$5,749/mo
Today · 4.125%
HK$222,699
baseline
▲ 0.50% · 4.625%
HK$234,437
+HK$11,738/mo
Deposit HK$4.63M · loan HK$41.64M · min. income ≈ HK$445,398/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,539 · Scale 2, in force from 26 Feb 2026)