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$105,201
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,473
−HK$3,325/mo
Today · 4.125%
HK$111,798
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$6,803/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,596/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,035
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,174
−HK$3,184/mo
Today · 4.125%
HK$123,358
baseline
▲ 0.50% · 4.625%
HK$129,860
+HK$6,502/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,716/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,241
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,168
−HK$3,989/mo
Today · 4.125%
HK$134,157
baseline
▲ 0.50% · 4.625%
HK$142,321
+HK$8,164/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,314/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,442
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,208
−HK$3,822/mo
Today · 4.125%
HK$148,030
baseline
▲ 0.50% · 4.625%
HK$155,832
+HK$7,802/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$296,060/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,281
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$151,862
−HK$4,655/mo
Today · 4.125%
HK$156,517
baseline
▲ 0.50% · 4.625%
HK$166,041
+HK$9,524/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$313,034/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,849
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$168,243
−HK$4,458/mo
Today · 4.125%
HK$172,701
baseline
▲ 0.50% · 4.625%
HK$181,804
+HK$9,103/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,402/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,362
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$195,252
−HK$5,984/mo
Today · 4.125%
HK$201,236
baseline
▲ 0.50% · 4.625%
HK$213,481
+HK$12,245/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$402,472/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,663
−HK$11,381/mo
▼ 0.25% · 3.875%
HK$216,313
−HK$5,731/mo
Today · 4.125%
HK$222,044
baseline
▲ 0.50% · 4.625%
HK$233,749
+HK$11,705/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$444,088/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,761 · Scale 2, in force from 26 Feb 2026)