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$105,806
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,098
−HK$3,343/mo
Today · 4.125%
HK$112,441
baseline
▲ 0.50% · 4.625%
HK$119,283
+HK$6,842/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$224,882/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,709
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,866
−HK$3,202/mo
Today · 4.125%
HK$124,068
baseline
▲ 0.50% · 4.625%
HK$130,608
+HK$6,540/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$248,136/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,968
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,917
−HK$4,013/mo
Today · 4.125%
HK$134,930
baseline
▲ 0.50% · 4.625%
HK$143,140
+HK$8,210/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$269,860/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,250
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,039
−HK$3,843/mo
Today · 4.125%
HK$148,882
baseline
▲ 0.50% · 4.625%
HK$156,729
+HK$7,847/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$297,764/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,129
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$152,737
−HK$4,681/mo
Today · 4.125%
HK$157,418
baseline
▲ 0.50% · 4.625%
HK$166,997
+HK$9,579/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$314,836/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,792
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,212
−HK$4,483/mo
Today · 4.125%
HK$173,695
baseline
▲ 0.50% · 4.625%
HK$182,851
+HK$9,156/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$347,390/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,452
−HK$11,943/mo
▼ 0.25% · 3.875%
HK$196,376
−HK$6,019/mo
Today · 4.125%
HK$202,395
baseline
▲ 0.50% · 4.625%
HK$214,710
+HK$12,315/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$404,790/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,876
−HK$11,447/mo
▼ 0.25% · 3.875%
HK$217,558
−HK$5,765/mo
Today · 4.125%
HK$223,323
baseline
▲ 0.50% · 4.625%
HK$235,094
+HK$11,771/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$446,646/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,049 · Scale 2, in force from 26 Feb 2026)