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$104,989
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,255
−HK$3,318/mo
Today · 4.125%
HK$111,573
baseline
▲ 0.50% · 4.625%
HK$118,362
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,146/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,800
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,932
−HK$3,178/mo
Today · 4.125%
HK$123,110
baseline
▲ 0.50% · 4.625%
HK$129,599
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,220/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,987
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,906
−HK$3,982/mo
Today · 4.125%
HK$133,888
baseline
▲ 0.50% · 4.625%
HK$142,035
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,776/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,160
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,919
−HK$3,813/mo
Today · 4.125%
HK$147,732
baseline
▲ 0.50% · 4.625%
HK$155,519
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,464/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,985
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,557
−HK$4,645/mo
Today · 4.125%
HK$156,202
baseline
▲ 0.50% · 4.625%
HK$165,707
+HK$9,505/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,404/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,519
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$167,905
−HK$4,449/mo
Today · 4.125%
HK$172,354
baseline
▲ 0.50% · 4.625%
HK$181,439
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,708/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,981
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$194,859
−HK$5,973/mo
Today · 4.125%
HK$200,832
baseline
▲ 0.50% · 4.625%
HK$213,052
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,664/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,239
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,878
−HK$5,720/mo
Today · 4.125%
HK$221,598
baseline
▲ 0.50% · 4.625%
HK$233,279
+HK$11,681/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,196/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,819 · Scale 2, in force from 26 Feb 2026)