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$107,042
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,372
−HK$3,383/mo
Today · 4.125%
HK$113,755
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,922/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$227,510/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,084
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,277
−HK$3,240/mo
Today · 4.125%
HK$125,517
baseline
▲ 0.50% · 4.625%
HK$132,134
+HK$6,617/mo
Deposit HK$23.47M · loan HK$23.47M · min. income ≈ HK$251,034/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,451
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$132,446
−HK$4,060/mo
Today · 4.125%
HK$136,506
baseline
▲ 0.50% · 4.625%
HK$144,812
+HK$8,306/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$273,012/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,900
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$146,733
−HK$3,888/mo
Today · 4.125%
HK$150,621
baseline
▲ 0.50% · 4.625%
HK$158,560
+HK$7,939/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$301,242/mo (50% DSR)
Upfront cash ≈ HK$20.77M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,859
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$154,521
−HK$4,736/mo
Today · 4.125%
HK$159,257
baseline
▲ 0.50% · 4.625%
HK$168,947
+HK$9,690/mo
Deposit HK$14.08M · loan HK$32.86M · min. income ≈ HK$318,514/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,717
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$171,188
−HK$4,536/mo
Today · 4.125%
HK$175,724
baseline
▲ 0.50% · 4.625%
HK$184,987
+HK$9,263/mo
Deposit HK$14.08M · loan HK$32.86M · min. income ≈ HK$351,448/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,676
−HK$12,083/mo
▼ 0.25% · 3.875%
HK$198,670
−HK$6,089/mo
Today · 4.125%
HK$204,759
baseline
▲ 0.50% · 4.625%
HK$217,218
+HK$12,459/mo
Deposit HK$4.69M · loan HK$42.25M · min. income ≈ HK$409,518/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,351
−HK$11,580/mo
▼ 0.25% · 3.875%
HK$220,099
−HK$5,832/mo
Today · 4.125%
HK$225,931
baseline
▲ 0.50% · 4.625%
HK$237,840
+HK$11,909/mo
Deposit HK$4.69M · loan HK$42.25M · min. income ≈ HK$451,862/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,084 · Scale 2, in force from 26 Feb 2026)