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$106,066
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,365
−HK$3,352/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$6,859/mo
Deposit HK$23.26M · loan HK$23.26M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,997
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,162
−HK$3,210/mo
Today · 4.125%
HK$124,372
baseline
▲ 0.50% · 4.625%
HK$130,928
+HK$6,556/mo
Deposit HK$23.26M · loan HK$23.26M · min. income ≈ HK$248,744/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,279
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$131,238
−HK$4,023/mo
Today · 4.125%
HK$135,261
baseline
▲ 0.50% · 4.625%
HK$143,491
+HK$8,230/mo
Deposit HK$18.61M · loan HK$27.91M · min. income ≈ HK$270,522/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,597
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$145,394
−HK$3,853/mo
Today · 4.125%
HK$149,247
baseline
▲ 0.50% · 4.625%
HK$157,114
+HK$7,867/mo
Deposit HK$18.61M · loan HK$27.91M · min. income ≈ HK$298,494/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,492
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,111
−HK$4,693/mo
Today · 4.125%
HK$157,804
baseline
▲ 0.50% · 4.625%
HK$167,406
+HK$9,602/mo
Deposit HK$13.95M · loan HK$32.56M · min. income ≈ HK$315,608/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,196
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,627
−HK$4,494/mo
Today · 4.125%
HK$174,121
baseline
▲ 0.50% · 4.625%
HK$183,299
+HK$9,178/mo
Deposit HK$13.95M · loan HK$32.56M · min. income ≈ HK$348,242/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,919
−HK$11,972/mo
▼ 0.25% · 3.875%
HK$196,857
−HK$6,034/mo
Today · 4.125%
HK$202,891
baseline
▲ 0.50% · 4.625%
HK$215,236
+HK$12,345/mo
Deposit HK$4.65M · loan HK$41.86M · min. income ≈ HK$405,782/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,395
−HK$11,475/mo
▼ 0.25% · 3.875%
HK$218,091
−HK$5,779/mo
Today · 4.125%
HK$223,870
baseline
▲ 0.50% · 4.625%
HK$235,671
+HK$11,801/mo
Deposit HK$4.65M · loan HK$41.86M · min. income ≈ HK$447,740/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,883 · Scale 2, in force from 26 Feb 2026)