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$106,234
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,538
−HK$3,357/mo
Today · 4.125%
HK$112,895
baseline
▲ 0.50% · 4.625%
HK$119,765
+HK$6,870/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$225,790/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,184
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,353
−HK$3,216/mo
Today · 4.125%
HK$124,569
baseline
▲ 0.50% · 4.625%
HK$131,135
+HK$6,566/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$249,138/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,480
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,446
−HK$4,028/mo
Today · 4.125%
HK$135,474
baseline
▲ 0.50% · 4.625%
HK$143,718
+HK$8,244/mo
Deposit HK$18.64M · loan HK$27.95M · min. income ≈ HK$270,948/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,821
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,624
−HK$3,859/mo
Today · 4.125%
HK$149,483
baseline
▲ 0.50% · 4.625%
HK$157,362
+HK$7,879/mo
Deposit HK$18.64M · loan HK$27.95M · min. income ≈ HK$298,966/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,727
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$153,353
−HK$4,700/mo
Today · 4.125%
HK$158,053
baseline
▲ 0.50% · 4.625%
HK$167,671
+HK$9,618/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$316,106/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,457
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,895
−HK$4,501/mo
Today · 4.125%
HK$174,396
baseline
▲ 0.50% · 4.625%
HK$183,589
+HK$9,193/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$348,792/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,220
−HK$11,992/mo
▼ 0.25% · 3.875%
HK$197,168
−HK$6,044/mo
Today · 4.125%
HK$203,212
baseline
▲ 0.50% · 4.625%
HK$215,577
+HK$12,365/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$406,424/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,731
−HK$11,493/mo
▼ 0.25% · 3.875%
HK$218,436
−HK$5,788/mo
Today · 4.125%
HK$224,224
baseline
▲ 0.50% · 4.625%
HK$236,043
+HK$11,819/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$448,448/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,009 · Scale 2, in force from 26 Feb 2026)