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$105,072
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,340
−HK$3,321/mo
Today · 4.125%
HK$111,661
baseline
▲ 0.50% · 4.625%
HK$118,455
+HK$6,794/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$223,322/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,891
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,026
−HK$3,181/mo
Today · 4.125%
HK$123,207
baseline
▲ 0.50% · 4.625%
HK$129,701
+HK$6,494/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$246,414/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,086
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,008
−HK$3,985/mo
Today · 4.125%
HK$133,993
baseline
▲ 0.50% · 4.625%
HK$142,146
+HK$8,153/mo
Deposit HK$18.43M · loan HK$27.65M · min. income ≈ HK$267,986/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,270
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,032
−HK$3,816/mo
Today · 4.125%
HK$147,848
baseline
▲ 0.50% · 4.625%
HK$155,641
+HK$7,793/mo
Deposit HK$18.43M · loan HK$27.65M · min. income ≈ HK$295,696/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,101
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$151,676
−HK$4,649/mo
Today · 4.125%
HK$156,325
baseline
▲ 0.50% · 4.625%
HK$165,837
+HK$9,512/mo
Deposit HK$13.82M · loan HK$32.26M · min. income ≈ HK$312,650/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,648
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$168,037
−HK$4,452/mo
Today · 4.125%
HK$172,489
baseline
▲ 0.50% · 4.625%
HK$181,582
+HK$9,093/mo
Deposit HK$13.82M · loan HK$32.26M · min. income ≈ HK$344,978/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,129
−HK$11,860/mo
▼ 0.25% · 3.875%
HK$195,012
−HK$5,977/mo
Today · 4.125%
HK$200,989
baseline
▲ 0.50% · 4.625%
HK$213,219
+HK$12,230/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$401,978/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,405
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$216,048
−HK$5,724/mo
Today · 4.125%
HK$221,772
baseline
▲ 0.50% · 4.625%
HK$233,462
+HK$11,690/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$443,544/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,357 · Scale 2, in force from 26 Feb 2026)