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$106,885
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,210
−HK$3,378/mo
Today · 4.125%
HK$113,588
baseline
▲ 0.50% · 4.625%
HK$120,499
+HK$6,911/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,176/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,909
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,098
−HK$3,235/mo
Today · 4.125%
HK$125,333
baseline
▲ 0.50% · 4.625%
HK$131,939
+HK$6,606/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,666/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,262
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,252
−HK$4,053/mo
Today · 4.125%
HK$136,305
baseline
▲ 0.50% · 4.625%
HK$144,599
+HK$8,294/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$272,610/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,690
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,517
−HK$3,883/mo
Today · 4.125%
HK$150,400
baseline
▲ 0.50% · 4.625%
HK$158,327
+HK$7,927/mo
Deposit HK$18.75M · loan HK$28.12M · min. income ≈ HK$300,800/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,639
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,294
−HK$4,729/mo
Today · 4.125%
HK$159,023
baseline
▲ 0.50% · 4.625%
HK$168,699
+HK$9,676/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$318,046/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,472
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,937
−HK$4,529/mo
Today · 4.125%
HK$175,466
baseline
▲ 0.50% · 4.625%
HK$184,715
+HK$9,249/mo
Deposit HK$14.06M · loan HK$32.81M · min. income ≈ HK$350,932/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,393
−HK$12,065/mo
▼ 0.25% · 3.875%
HK$198,378
−HK$6,080/mo
Today · 4.125%
HK$204,458
baseline
▲ 0.50% · 4.625%
HK$216,899
+HK$12,441/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$408,916/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,036
−HK$11,563/mo
▼ 0.25% · 3.875%
HK$219,776
−HK$5,823/mo
Today · 4.125%
HK$225,599
baseline
▲ 0.50% · 4.625%
HK$237,491
+HK$11,892/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$451,198/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,154 · Scale 2, in force from 26 Feb 2026)