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$105,457
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,737
−HK$3,333/mo
Today · 4.125%
HK$112,070
baseline
▲ 0.50% · 4.625%
HK$118,889
+HK$6,819/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,140/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,320
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,466
−HK$3,192/mo
Today · 4.125%
HK$123,658
baseline
▲ 0.50% · 4.625%
HK$130,176
+HK$6,518/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,316/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,548
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,485
−HK$3,999/mo
Today · 4.125%
HK$134,484
baseline
▲ 0.50% · 4.625%
HK$142,667
+HK$8,183/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$268,968/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,784
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,559
−HK$3,831/mo
Today · 4.125%
HK$148,390
baseline
▲ 0.50% · 4.625%
HK$156,211
+HK$7,821/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$296,780/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,640
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,232
−HK$4,666/mo
Today · 4.125%
HK$156,898
baseline
▲ 0.50% · 4.625%
HK$166,445
+HK$9,547/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,796/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,247
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,653
−HK$4,468/mo
Today · 4.125%
HK$173,121
baseline
▲ 0.50% · 4.625%
HK$182,247
+HK$9,126/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,242/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,822
−HK$11,904/mo
▼ 0.25% · 3.875%
HK$195,727
−HK$5,999/mo
Today · 4.125%
HK$201,726
baseline
▲ 0.50% · 4.625%
HK$214,000
+HK$12,274/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$403,452/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,175
−HK$11,410/mo
▼ 0.25% · 3.875%
HK$216,839
−HK$5,746/mo
Today · 4.125%
HK$222,585
baseline
▲ 0.50% · 4.625%
HK$234,317
+HK$11,732/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$445,170/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,531 · Scale 2, in force from 26 Feb 2026)