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$104,916
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,180
−HK$3,316/mo
Today · 4.125%
HK$111,496
baseline
▲ 0.50% · 4.625%
HK$118,280
+HK$6,784/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$222,992/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,719
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,849
−HK$3,175/mo
Today · 4.125%
HK$123,024
baseline
▲ 0.50% · 4.625%
HK$129,509
+HK$6,485/mo
Deposit HK$23.01M · loan HK$23.01M · min. income ≈ HK$246,048/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,900
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,816
−HK$3,979/mo
Today · 4.125%
HK$133,795
baseline
▲ 0.50% · 4.625%
HK$141,936
+HK$8,141/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$267,590/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,062
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,819
−HK$3,810/mo
Today · 4.125%
HK$147,629
baseline
▲ 0.50% · 4.625%
HK$155,411
+HK$7,782/mo
Deposit HK$18.40M · loan HK$27.61M · min. income ≈ HK$295,258/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,883
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$151,452
−HK$4,642/mo
Today · 4.125%
HK$156,094
baseline
▲ 0.50% · 4.625%
HK$165,592
+HK$9,498/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$312,188/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,406
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,788
−HK$4,446/mo
Today · 4.125%
HK$172,234
baseline
▲ 0.50% · 4.625%
HK$181,313
+HK$9,079/mo
Deposit HK$13.80M · loan HK$32.21M · min. income ≈ HK$344,468/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,850
−HK$11,842/mo
▼ 0.25% · 3.875%
HK$194,724
−HK$5,968/mo
Today · 4.125%
HK$200,692
baseline
▲ 0.50% · 4.625%
HK$212,904
+HK$12,212/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$401,384/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,093
−HK$11,351/mo
▼ 0.25% · 3.875%
HK$215,728
−HK$5,716/mo
Today · 4.125%
HK$221,444
baseline
▲ 0.50% · 4.625%
HK$233,117
+HK$11,673/mo
Deposit HK$4.60M · loan HK$41.41M · min. income ≈ HK$442,888/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,460 · Scale 2, in force from 26 Feb 2026)