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$105,881
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,175
−HK$3,346/mo
Today · 4.125%
HK$112,521
baseline
▲ 0.50% · 4.625%
HK$119,368
+HK$6,847/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,042/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,792
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,951
−HK$3,205/mo
Today · 4.125%
HK$124,156
baseline
▲ 0.50% · 4.625%
HK$130,700
+HK$6,544/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,312/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,058
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$131,010
−HK$4,015/mo
Today · 4.125%
HK$135,025
baseline
▲ 0.50% · 4.625%
HK$143,241
+HK$8,216/mo
Deposit HK$18.57M · loan HK$27.86M · min. income ≈ HK$270,050/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,350
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$145,141
−HK$3,846/mo
Today · 4.125%
HK$148,987
baseline
▲ 0.50% · 4.625%
HK$156,840
+HK$7,853/mo
Deposit HK$18.57M · loan HK$27.86M · min. income ≈ HK$297,974/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,234
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$152,845
−HK$4,685/mo
Today · 4.125%
HK$157,530
baseline
▲ 0.50% · 4.625%
HK$167,115
+HK$9,585/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$315,060/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,909
−HK$8,909/mo
▼ 0.25% · 3.875%
HK$169,332
−HK$4,486/mo
Today · 4.125%
HK$173,818
baseline
▲ 0.50% · 4.625%
HK$182,981
+HK$9,163/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$347,636/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,587
−HK$11,951/mo
▼ 0.25% · 3.875%
HK$196,515
−HK$6,023/mo
Today · 4.125%
HK$202,538
baseline
▲ 0.50% · 4.625%
HK$214,862
+HK$12,324/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$405,076/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,026
−HK$11,455/mo
▼ 0.25% · 3.875%
HK$217,712
−HK$5,769/mo
Today · 4.125%
HK$223,481
baseline
▲ 0.50% · 4.625%
HK$235,261
+HK$11,780/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$446,962/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,445 · Scale 2, in force from 26 Feb 2026)