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$106,180
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,483
−HK$3,356/mo
Today · 4.125%
HK$112,839
baseline
▲ 0.50% · 4.625%
HK$119,705
+HK$6,866/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,678/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,125
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,293
−HK$3,214/mo
Today · 4.125%
HK$124,507
baseline
▲ 0.50% · 4.625%
HK$131,069
+HK$6,562/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$249,014/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,416
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,380
−HK$4,027/mo
Today · 4.125%
HK$135,407
baseline
▲ 0.50% · 4.625%
HK$143,646
+HK$8,239/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$270,814/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,750
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,551
−HK$3,857/mo
Today · 4.125%
HK$149,408
baseline
▲ 0.50% · 4.625%
HK$157,283
+HK$7,875/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$298,816/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,653
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,276
−HK$4,698/mo
Today · 4.125%
HK$157,974
baseline
▲ 0.50% · 4.625%
HK$167,587
+HK$9,613/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$315,948/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,374
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,810
−HK$4,499/mo
Today · 4.125%
HK$174,309
baseline
▲ 0.50% · 4.625%
HK$183,497
+HK$9,188/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$348,618/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,125
−HK$11,985/mo
▼ 0.25% · 3.875%
HK$197,070
−HK$6,040/mo
Today · 4.125%
HK$203,110
baseline
▲ 0.50% · 4.625%
HK$215,469
+HK$12,359/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,220/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,624
−HK$11,488/mo
▼ 0.25% · 3.875%
HK$218,327
−HK$5,785/mo
Today · 4.125%
HK$224,112
baseline
▲ 0.50% · 4.625%
HK$235,925
+HK$11,813/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,224/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,017 · Scale 2, in force from 26 Feb 2026)