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$106,114
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,415
−HK$3,353/mo
Today · 4.125%
HK$112,768
baseline
▲ 0.50% · 4.625%
HK$119,630
+HK$6,862/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$225,536/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,051
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,217
−HK$3,212/mo
Today · 4.125%
HK$124,429
baseline
▲ 0.50% · 4.625%
HK$130,987
+HK$6,558/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$248,858/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,337
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,298
−HK$4,024/mo
Today · 4.125%
HK$135,322
baseline
▲ 0.50% · 4.625%
HK$143,556
+HK$8,234/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$270,644/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,661
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,460
−HK$3,854/mo
Today · 4.125%
HK$149,314
baseline
▲ 0.50% · 4.625%
HK$157,185
+HK$7,871/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$298,628/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,559
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,181
−HK$4,694/mo
Today · 4.125%
HK$157,875
baseline
▲ 0.50% · 4.625%
HK$167,482
+HK$9,607/mo
Deposit HK$13.96M · loan HK$32.58M · min. income ≈ HK$315,750/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,271
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$169,703
−HK$4,497/mo
Today · 4.125%
HK$174,200
baseline
▲ 0.50% · 4.625%
HK$183,382
+HK$9,182/mo
Deposit HK$13.96M · loan HK$32.58M · min. income ≈ HK$348,400/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,005
−HK$11,978/mo
▼ 0.25% · 3.875%
HK$196,946
−HK$6,037/mo
Today · 4.125%
HK$202,983
baseline
▲ 0.50% · 4.625%
HK$215,334
+HK$12,351/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$405,966/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,491
−HK$11,480/mo
▼ 0.25% · 3.875%
HK$218,190
−HK$5,781/mo
Today · 4.125%
HK$223,971
baseline
▲ 0.50% · 4.625%
HK$235,777
+HK$11,806/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$447,942/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,779 · Scale 2, in force from 26 Feb 2026)