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$105,892
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,186
−HK$3,347/mo
Today · 4.125%
HK$112,533
baseline
▲ 0.50% · 4.625%
HK$119,380
+HK$6,847/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,066/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,804
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,964
−HK$3,205/mo
Today · 4.125%
HK$124,169
baseline
▲ 0.50% · 4.625%
HK$130,714
+HK$6,545/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,338/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,071
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,023
−HK$4,016/mo
Today · 4.125%
HK$135,039
baseline
▲ 0.50% · 4.625%
HK$143,256
+HK$8,217/mo
Deposit HK$18.58M · loan HK$27.86M · min. income ≈ HK$270,078/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,365
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,156
−HK$3,847/mo
Today · 4.125%
HK$149,003
baseline
▲ 0.50% · 4.625%
HK$156,857
+HK$7,854/mo
Deposit HK$18.58M · loan HK$27.86M · min. income ≈ HK$298,006/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,249
−HK$9,297/mo
▼ 0.25% · 3.875%
HK$152,861
−HK$4,685/mo
Today · 4.125%
HK$157,546
baseline
▲ 0.50% · 4.625%
HK$167,132
+HK$9,586/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,092/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,926
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,349
−HK$4,487/mo
Today · 4.125%
HK$173,836
baseline
▲ 0.50% · 4.625%
HK$182,999
+HK$9,163/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,672/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,606
−HK$11,953/mo
▼ 0.25% · 3.875%
HK$196,535
−HK$6,024/mo
Today · 4.125%
HK$202,559
baseline
▲ 0.50% · 4.625%
HK$214,884
+HK$12,325/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$405,118/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,048
−HK$11,456/mo
▼ 0.25% · 3.875%
HK$217,735
−HK$5,769/mo
Today · 4.125%
HK$223,504
baseline
▲ 0.50% · 4.625%
HK$235,285
+HK$11,781/mo
Deposit HK$4.64M · loan HK$41.79M · min. income ≈ HK$447,008/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,649 · Scale 2, in force from 26 Feb 2026)