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$106,042
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,340
−HK$3,352/mo
Today · 4.125%
HK$112,692
baseline
▲ 0.50% · 4.625%
HK$119,549
+HK$6,857/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$225,384/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,971
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,135
−HK$3,209/mo
Today · 4.125%
HK$124,344
baseline
▲ 0.50% · 4.625%
HK$130,899
+HK$6,555/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$248,688/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,250
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,209
−HK$4,021/mo
Today · 4.125%
HK$135,230
baseline
▲ 0.50% · 4.625%
HK$143,458
+HK$8,228/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$270,460/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,565
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,361
−HK$3,852/mo
Today · 4.125%
HK$149,213
baseline
▲ 0.50% · 4.625%
HK$157,078
+HK$7,865/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$298,426/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,459
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,077
−HK$4,691/mo
Today · 4.125%
HK$157,768
baseline
▲ 0.50% · 4.625%
HK$167,368
+HK$9,600/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$315,536/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,159
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,588
−HK$4,494/mo
Today · 4.125%
HK$174,082
baseline
▲ 0.50% · 4.625%
HK$183,258
+HK$9,176/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$348,164/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,876
−HK$11,969/mo
▼ 0.25% · 3.875%
HK$196,813
−HK$6,032/mo
Today · 4.125%
HK$202,845
baseline
▲ 0.50% · 4.625%
HK$215,188
+HK$12,343/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$405,690/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,347
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,042
−HK$5,778/mo
Today · 4.125%
HK$223,820
baseline
▲ 0.50% · 4.625%
HK$235,617
+HK$11,797/mo
Deposit HK$4.65M · loan HK$41.85M · min. income ≈ HK$447,640/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,437 · Scale 2, in force from 26 Feb 2026)