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$106,292
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,599
−HK$3,359/mo
Today · 4.125%
HK$112,958
baseline
▲ 0.50% · 4.625%
HK$119,831
+HK$6,873/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$225,916/mo (50% DSR)
Upfront cash ≈ HK$25.29M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,249
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,420
−HK$3,218/mo
Today · 4.125%
HK$124,638
baseline
▲ 0.50% · 4.625%
HK$131,207
+HK$6,569/mo
Deposit HK$23.31M · loan HK$23.31M · min. income ≈ HK$249,276/mo (50% DSR)
Upfront cash ≈ HK$25.29M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,551
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,518
−HK$4,031/mo
Today · 4.125%
HK$135,549
baseline
▲ 0.50% · 4.625%
HK$143,797
+HK$8,248/mo
Deposit HK$18.65M · loan HK$27.97M · min. income ≈ HK$271,098/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,899
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,704
−HK$3,861/mo
Today · 4.125%
HK$149,565
baseline
▲ 0.50% · 4.625%
HK$157,449
+HK$7,884/mo
Deposit HK$18.65M · loan HK$27.97M · min. income ≈ HK$299,130/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,809
−HK$9,332/mo
▼ 0.25% · 3.875%
HK$153,438
−HK$4,703/mo
Today · 4.125%
HK$158,141
baseline
▲ 0.50% · 4.625%
HK$167,763
+HK$9,622/mo
Deposit HK$13.98M · loan HK$32.63M · min. income ≈ HK$316,282/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,549
−HK$8,944/mo
▼ 0.25% · 3.875%
HK$169,989
−HK$4,504/mo
Today · 4.125%
HK$174,493
baseline
▲ 0.50% · 4.625%
HK$183,690
+HK$9,197/mo
Deposit HK$13.98M · loan HK$32.63M · min. income ≈ HK$348,986/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,326
−HK$11,998/mo
▼ 0.25% · 3.875%
HK$197,277
−HK$6,047/mo
Today · 4.125%
HK$203,324
baseline
▲ 0.50% · 4.625%
HK$215,696
+HK$12,372/mo
Deposit HK$4.66M · loan HK$41.95M · min. income ≈ HK$406,648/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,848
−HK$11,500/mo
▼ 0.25% · 3.875%
HK$218,557
−HK$5,791/mo
Today · 4.125%
HK$224,348
baseline
▲ 0.50% · 4.625%
HK$236,173
+HK$11,825/mo
Deposit HK$4.66M · loan HK$41.95M · min. income ≈ HK$448,696/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,981,102 · Scale 2, in force from 26 Feb 2026)