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$106,676
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$109,994
−HK$3,372/mo
Today · 4.125%
HK$113,366
baseline
▲ 0.50% · 4.625%
HK$120,264
+HK$6,898/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,732/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,676
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,859
−HK$3,229/mo
Today · 4.125%
HK$125,088
baseline
▲ 0.50% · 4.625%
HK$131,681
+HK$6,593/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,176/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,011
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$131,993
−HK$4,046/mo
Today · 4.125%
HK$136,039
baseline
▲ 0.50% · 4.625%
HK$144,316
+HK$8,277/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$272,078/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,411
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,231
−HK$3,874/mo
Today · 4.125%
HK$150,105
baseline
▲ 0.50% · 4.625%
HK$158,017
+HK$7,912/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$300,210/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,346
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$153,992
−HK$4,720/mo
Today · 4.125%
HK$158,712
baseline
▲ 0.50% · 4.625%
HK$168,369
+HK$9,657/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$317,424/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,146
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,602
−HK$4,521/mo
Today · 4.125%
HK$175,123
baseline
▲ 0.50% · 4.625%
HK$184,354
+HK$9,231/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$350,246/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,017
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$197,990
−HK$6,068/mo
Today · 4.125%
HK$204,058
baseline
▲ 0.50% · 4.625%
HK$216,474
+HK$12,416/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$408,116/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,617
−HK$11,541/mo
▼ 0.25% · 3.875%
HK$219,346
−HK$5,812/mo
Today · 4.125%
HK$225,158
baseline
▲ 0.50% · 4.625%
HK$237,026
+HK$11,868/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$450,316/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,255 · Scale 2, in force from 26 Feb 2026)