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$105,487
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,768
−HK$3,334/mo
Today · 4.125%
HK$112,102
baseline
▲ 0.50% · 4.625%
HK$118,923
+HK$6,821/mo
Deposit HK$23.13M · loan HK$23.13M · min. income ≈ HK$224,204/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,353
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,501
−HK$3,193/mo
Today · 4.125%
HK$123,694
baseline
▲ 0.50% · 4.625%
HK$130,214
+HK$6,520/mo
Deposit HK$23.13M · loan HK$23.13M · min. income ≈ HK$247,388/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,585
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,522
−HK$4,000/mo
Today · 4.125%
HK$134,522
baseline
▲ 0.50% · 4.625%
HK$142,708
+HK$8,186/mo
Deposit HK$18.50M · loan HK$27.76M · min. income ≈ HK$269,044/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,824
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,601
−HK$3,831/mo
Today · 4.125%
HK$148,432
baseline
▲ 0.50% · 4.625%
HK$156,256
+HK$7,824/mo
Deposit HK$18.50M · loan HK$27.76M · min. income ≈ HK$296,864/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,682
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$152,276
−HK$4,667/mo
Today · 4.125%
HK$156,943
baseline
▲ 0.50% · 4.625%
HK$166,493
+HK$9,550/mo
Deposit HK$13.88M · loan HK$32.38M · min. income ≈ HK$313,886/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,295
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$168,701
−HK$4,470/mo
Today · 4.125%
HK$173,171
baseline
▲ 0.50% · 4.625%
HK$182,299
+HK$9,128/mo
Deposit HK$13.88M · loan HK$32.38M · min. income ≈ HK$346,342/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,877
−HK$11,907/mo
▼ 0.25% · 3.875%
HK$195,783
−HK$6,001/mo
Today · 4.125%
HK$201,784
baseline
▲ 0.50% · 4.625%
HK$214,062
+HK$12,278/mo
Deposit HK$4.63M · loan HK$41.63M · min. income ≈ HK$403,568/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,236
−HK$11,412/mo
▼ 0.25% · 3.875%
HK$216,901
−HK$5,747/mo
Today · 4.125%
HK$222,648
baseline
▲ 0.50% · 4.625%
HK$234,385
+HK$11,737/mo
Deposit HK$4.63M · loan HK$41.63M · min. income ≈ HK$445,296/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,096 · Scale 2, in force from 26 Feb 2026)