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$105,542
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,825
−HK$3,336/mo
Today · 4.125%
HK$112,161
baseline
▲ 0.50% · 4.625%
HK$118,986
+HK$6,825/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,322/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,415
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,564
−HK$3,194/mo
Today · 4.125%
HK$123,758
baseline
▲ 0.50% · 4.625%
HK$130,282
+HK$6,524/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,516/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,651
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,591
−HK$4,002/mo
Today · 4.125%
HK$134,593
baseline
▲ 0.50% · 4.625%
HK$142,783
+HK$8,190/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$269,186/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,898
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,677
−HK$3,833/mo
Today · 4.125%
HK$148,510
baseline
▲ 0.50% · 4.625%
HK$156,338
+HK$7,828/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$297,020/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,759
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$152,356
−HK$4,669/mo
Today · 4.125%
HK$157,025
baseline
▲ 0.50% · 4.625%
HK$166,580
+HK$9,555/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$314,050/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,381
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,790
−HK$4,472/mo
Today · 4.125%
HK$173,262
baseline
▲ 0.50% · 4.625%
HK$182,395
+HK$9,133/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$346,524/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,976
−HK$11,914/mo
▼ 0.25% · 3.875%
HK$195,886
−HK$6,004/mo
Today · 4.125%
HK$201,890
baseline
▲ 0.50% · 4.625%
HK$214,174
+HK$12,284/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$403,780/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,347
−HK$11,418/mo
▼ 0.25% · 3.875%
HK$217,015
−HK$5,750/mo
Today · 4.125%
HK$222,765
baseline
▲ 0.50% · 4.625%
HK$234,508
+HK$11,743/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$445,530/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,128 · Scale 2, in force from 26 Feb 2026)