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$106,394
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,704
−HK$3,362/mo
Today · 4.125%
HK$113,066
baseline
▲ 0.50% · 4.625%
HK$119,946
+HK$6,880/mo
Deposit HK$23.33M · loan HK$23.33M · min. income ≈ HK$226,132/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,363
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,537
−HK$3,220/mo
Today · 4.125%
HK$124,757
baseline
▲ 0.50% · 4.625%
HK$131,334
+HK$6,577/mo
Deposit HK$23.33M · loan HK$23.33M · min. income ≈ HK$249,514/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,673
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$131,645
−HK$4,035/mo
Today · 4.125%
HK$135,680
baseline
▲ 0.50% · 4.625%
HK$143,935
+HK$8,255/mo
Deposit HK$18.66M · loan HK$28.00M · min. income ≈ HK$271,360/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,035
−HK$7,674/mo
▼ 0.25% · 3.875%
HK$145,845
−HK$3,864/mo
Today · 4.125%
HK$149,709
baseline
▲ 0.50% · 4.625%
HK$157,600
+HK$7,891/mo
Deposit HK$18.66M · loan HK$28.00M · min. income ≈ HK$299,418/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,952
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$153,585
−HK$4,708/mo
Today · 4.125%
HK$158,293
baseline
▲ 0.50% · 4.625%
HK$167,924
+HK$9,631/mo
Deposit HK$14.00M · loan HK$32.66M · min. income ≈ HK$316,586/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,708
−HK$8,952/mo
▼ 0.25% · 3.875%
HK$170,152
−HK$4,508/mo
Today · 4.125%
HK$174,660
baseline
▲ 0.50% · 4.625%
HK$183,867
+HK$9,207/mo
Deposit HK$14.00M · loan HK$32.66M · min. income ≈ HK$349,320/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,510
−HK$12,009/mo
▼ 0.25% · 3.875%
HK$197,467
−HK$6,052/mo
Today · 4.125%
HK$203,519
baseline
▲ 0.50% · 4.625%
HK$215,903
+HK$12,384/mo
Deposit HK$4.67M · loan HK$41.99M · min. income ≈ HK$407,038/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,053
−HK$11,510/mo
▼ 0.25% · 3.875%
HK$218,767
−HK$5,796/mo
Today · 4.125%
HK$224,563
baseline
▲ 0.50% · 4.625%
HK$236,400
+HK$11,837/mo
Deposit HK$4.67M · loan HK$41.99M · min. income ≈ HK$449,126/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,006 · Scale 2, in force from 26 Feb 2026)