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$106,113
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,414
−HK$3,353/mo
Today · 4.125%
HK$112,767
baseline
▲ 0.50% · 4.625%
HK$119,629
+HK$6,862/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$225,534/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,050
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,216
−HK$3,212/mo
Today · 4.125%
HK$124,428
baseline
▲ 0.50% · 4.625%
HK$130,986
+HK$6,558/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$248,856/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,336
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,297
−HK$4,024/mo
Today · 4.125%
HK$135,321
baseline
▲ 0.50% · 4.625%
HK$143,555
+HK$8,234/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$270,642/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,660
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,459
−HK$3,854/mo
Today · 4.125%
HK$149,313
baseline
▲ 0.50% · 4.625%
HK$157,184
+HK$7,871/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$298,626/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,558
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,179
−HK$4,695/mo
Today · 4.125%
HK$157,874
baseline
▲ 0.50% · 4.625%
HK$167,481
+HK$9,607/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$315,748/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,270
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$169,702
−HK$4,497/mo
Today · 4.125%
HK$174,199
baseline
▲ 0.50% · 4.625%
HK$183,381
+HK$9,182/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$348,398/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,004
−HK$11,977/mo
▼ 0.25% · 3.875%
HK$196,945
−HK$6,036/mo
Today · 4.125%
HK$202,981
baseline
▲ 0.50% · 4.625%
HK$215,332
+HK$12,351/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$405,962/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,490
−HK$11,480/mo
▼ 0.25% · 3.875%
HK$218,188
−HK$5,782/mo
Today · 4.125%
HK$223,970
baseline
▲ 0.50% · 4.625%
HK$235,776
+HK$11,806/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$447,940/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,764 · Scale 2, in force from 26 Feb 2026)