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$105,681
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,968
−HK$3,340/mo
Today · 4.125%
HK$112,308
baseline
▲ 0.50% · 4.625%
HK$119,141
+HK$6,833/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,616/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,569
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,722
−HK$3,198/mo
Today · 4.125%
HK$123,920
baseline
▲ 0.50% · 4.625%
HK$130,452
+HK$6,532/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,840/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,817
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$130,761
−HK$4,008/mo
Today · 4.125%
HK$134,769
baseline
▲ 0.50% · 4.625%
HK$142,970
+HK$8,201/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,538/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,082
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,866
−HK$3,838/mo
Today · 4.125%
HK$148,704
baseline
▲ 0.50% · 4.625%
HK$156,543
+HK$7,839/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,408/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,953
−HK$9,278/mo
▼ 0.25% · 3.875%
HK$152,555
−HK$4,676/mo
Today · 4.125%
HK$157,231
baseline
▲ 0.50% · 4.625%
HK$166,798
+HK$9,567/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$314,462/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,596
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,010
−HK$4,479/mo
Today · 4.125%
HK$173,489
baseline
▲ 0.50% · 4.625%
HK$182,633
+HK$9,144/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$346,978/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,225
−HK$11,929/mo
▼ 0.25% · 3.875%
HK$196,142
−HK$6,012/mo
Today · 4.125%
HK$202,154
baseline
▲ 0.50% · 4.625%
HK$214,454
+HK$12,300/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$404,308/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,623
−HK$11,434/mo
▼ 0.25% · 3.875%
HK$217,299
−HK$5,758/mo
Today · 4.125%
HK$223,057
baseline
▲ 0.50% · 4.625%
HK$234,814
+HK$11,757/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$446,114/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,701 · Scale 2, in force from 26 Feb 2026)