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$104,936
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,201
−HK$3,316/mo
Today · 4.125%
HK$111,517
baseline
▲ 0.50% · 4.625%
HK$118,302
+HK$6,785/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$223,034/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,741
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,872
−HK$3,176/mo
Today · 4.125%
HK$123,048
baseline
▲ 0.50% · 4.625%
HK$129,534
+HK$6,486/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,096/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,924
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,841
−HK$3,979/mo
Today · 4.125%
HK$133,820
baseline
▲ 0.50% · 4.625%
HK$141,963
+HK$8,143/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$267,640/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,089
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,846
−HK$3,811/mo
Today · 4.125%
HK$147,657
baseline
▲ 0.50% · 4.625%
HK$155,441
+HK$7,784/mo
Deposit HK$18.41M · loan HK$27.61M · min. income ≈ HK$295,314/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,911
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$151,481
−HK$4,643/mo
Today · 4.125%
HK$156,124
baseline
▲ 0.50% · 4.625%
HK$165,623
+HK$9,499/mo
Deposit HK$13.81M · loan HK$32.21M · min. income ≈ HK$312,248/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,437
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,820
−HK$4,447/mo
Today · 4.125%
HK$172,267
baseline
▲ 0.50% · 4.625%
HK$181,347
+HK$9,080/mo
Deposit HK$13.81M · loan HK$32.21M · min. income ≈ HK$344,534/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,886
−HK$11,844/mo
▼ 0.25% · 3.875%
HK$194,761
−HK$5,969/mo
Today · 4.125%
HK$200,730
baseline
▲ 0.50% · 4.625%
HK$212,944
+HK$12,214/mo
Deposit HK$4.60M · loan HK$41.42M · min. income ≈ HK$401,460/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,133
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$215,769
−HK$5,717/mo
Today · 4.125%
HK$221,486
baseline
▲ 0.50% · 4.625%
HK$233,161
+HK$11,675/mo
Deposit HK$4.60M · loan HK$41.42M · min. income ≈ HK$442,972/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,832 · Scale 2, in force from 26 Feb 2026)