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$105,686
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,974
−HK$3,340/mo
Today · 4.125%
HK$112,314
baseline
▲ 0.50% · 4.625%
HK$119,148
+HK$6,834/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,628/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,575
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,728
−HK$3,199/mo
Today · 4.125%
HK$123,927
baseline
▲ 0.50% · 4.625%
HK$130,460
+HK$6,533/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,854/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,824
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,769
−HK$4,008/mo
Today · 4.125%
HK$134,777
baseline
▲ 0.50% · 4.625%
HK$142,978
+HK$8,201/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,554/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,090
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,874
−HK$3,839/mo
Today · 4.125%
HK$148,713
baseline
▲ 0.50% · 4.625%
HK$156,552
+HK$7,839/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,426/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,961
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$152,563
−HK$4,677/mo
Today · 4.125%
HK$157,240
baseline
▲ 0.50% · 4.625%
HK$166,807
+HK$9,567/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$314,480/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,605
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,020
−HK$4,478/mo
Today · 4.125%
HK$173,498
baseline
▲ 0.50% · 4.625%
HK$182,644
+HK$9,146/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$346,996/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,236
−HK$11,929/mo
▼ 0.25% · 3.875%
HK$196,153
−HK$6,012/mo
Today · 4.125%
HK$202,165
baseline
▲ 0.50% · 4.625%
HK$214,466
+HK$12,301/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$404,330/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,635
−HK$11,434/mo
▼ 0.25% · 3.875%
HK$217,311
−HK$5,758/mo
Today · 4.125%
HK$223,069
baseline
▲ 0.50% · 4.625%
HK$234,828
+HK$11,759/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$446,138/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,812 · Scale 2, in force from 26 Feb 2026)