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$105,476
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,757
−HK$3,333/mo
Today · 4.125%
HK$112,090
baseline
▲ 0.50% · 4.625%
HK$118,910
+HK$6,820/mo
Deposit HK$23.13M · loan HK$23.13M · min. income ≈ HK$224,180/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,341
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,488
−HK$3,192/mo
Today · 4.125%
HK$123,680
baseline
▲ 0.50% · 4.625%
HK$130,200
+HK$6,520/mo
Deposit HK$23.13M · loan HK$23.13M · min. income ≈ HK$247,360/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,571
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,508
−HK$4,000/mo
Today · 4.125%
HK$134,508
baseline
▲ 0.50% · 4.625%
HK$142,693
+HK$8,185/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$269,016/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,809
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,585
−HK$3,831/mo
Today · 4.125%
HK$148,416
baseline
▲ 0.50% · 4.625%
HK$156,240
+HK$7,824/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$296,832/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,666
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$152,259
−HK$4,667/mo
Today · 4.125%
HK$156,926
baseline
▲ 0.50% · 4.625%
HK$166,475
+HK$9,549/mo
Deposit HK$13.88M · loan HK$32.38M · min. income ≈ HK$313,852/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,277
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$168,683
−HK$4,469/mo
Today · 4.125%
HK$173,152
baseline
▲ 0.50% · 4.625%
HK$182,280
+HK$9,128/mo
Deposit HK$13.88M · loan HK$32.38M · min. income ≈ HK$346,304/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,856
−HK$11,906/mo
▼ 0.25% · 3.875%
HK$195,762
−HK$6,000/mo
Today · 4.125%
HK$201,762
baseline
▲ 0.50% · 4.625%
HK$214,039
+HK$12,277/mo
Deposit HK$4.63M · loan HK$41.63M · min. income ≈ HK$403,524/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,213
−HK$11,412/mo
▼ 0.25% · 3.875%
HK$216,878
−HK$5,747/mo
Today · 4.125%
HK$222,625
baseline
▲ 0.50% · 4.625%
HK$234,359
+HK$11,734/mo
Deposit HK$4.63M · loan HK$41.63M · min. income ≈ HK$445,250/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,886 · Scale 2, in force from 26 Feb 2026)