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$106,474
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,786
−HK$3,365/mo
Today · 4.125%
HK$113,151
baseline
▲ 0.50% · 4.625%
HK$120,036
+HK$6,885/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$226,302/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,451
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,628
−HK$3,223/mo
Today · 4.125%
HK$124,851
baseline
▲ 0.50% · 4.625%
HK$131,432
+HK$6,581/mo
Deposit HK$23.35M · loan HK$23.35M · min. income ≈ HK$249,702/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,769
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,743
−HK$4,038/mo
Today · 4.125%
HK$135,781
baseline
▲ 0.50% · 4.625%
HK$144,043
+HK$8,262/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$271,562/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,142
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$145,954
−HK$3,867/mo
Today · 4.125%
HK$149,821
baseline
▲ 0.50% · 4.625%
HK$157,718
+HK$7,897/mo
Deposit HK$18.68M · loan HK$28.02M · min. income ≈ HK$299,642/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,064
−HK$9,347/mo
▼ 0.25% · 3.875%
HK$153,700
−HK$4,711/mo
Today · 4.125%
HK$158,411
baseline
▲ 0.50% · 4.625%
HK$168,050
+HK$9,639/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$316,822/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,832
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,279
−HK$4,512/mo
Today · 4.125%
HK$174,791
baseline
▲ 0.50% · 4.625%
HK$184,005
+HK$9,214/mo
Deposit HK$14.01M · loan HK$32.69M · min. income ≈ HK$349,582/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,653
−HK$12,019/mo
▼ 0.25% · 3.875%
HK$197,615
−HK$6,057/mo
Today · 4.125%
HK$203,672
baseline
▲ 0.50% · 4.625%
HK$216,065
+HK$12,393/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$407,344/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,212
−HK$11,520/mo
▼ 0.25% · 3.875%
HK$218,931
−HK$5,801/mo
Today · 4.125%
HK$224,732
baseline
▲ 0.50% · 4.625%
HK$236,578
+HK$11,846/mo
Deposit HK$4.67M · loan HK$42.02M · min. income ≈ HK$449,464/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,984,491 · Scale 2, in force from 26 Feb 2026)