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$105,020
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,287
−HK$3,319/mo
Today · 4.125%
HK$111,606
baseline
▲ 0.50% · 4.625%
HK$118,397
+HK$6,791/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,212/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,834
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,967
−HK$3,179/mo
Today · 4.125%
HK$123,146
baseline
▲ 0.50% · 4.625%
HK$129,637
+HK$6,491/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,292/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,024
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,944
−HK$3,983/mo
Today · 4.125%
HK$133,927
baseline
▲ 0.50% · 4.625%
HK$142,076
+HK$8,149/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,854/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,201
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,961
−HK$3,814/mo
Today · 4.125%
HK$147,775
baseline
▲ 0.50% · 4.625%
HK$155,565
+HK$7,790/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,550/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,028
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$151,602
−HK$4,646/mo
Today · 4.125%
HK$156,248
baseline
▲ 0.50% · 4.625%
HK$165,755
+HK$9,507/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,496/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,567
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,954
−HK$4,450/mo
Today · 4.125%
HK$172,404
baseline
▲ 0.50% · 4.625%
HK$181,492
+HK$9,088/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,808/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,036
−HK$11,854/mo
▼ 0.25% · 3.875%
HK$194,916
−HK$5,974/mo
Today · 4.125%
HK$200,890
baseline
▲ 0.50% · 4.625%
HK$213,114
+HK$12,224/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,780/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,301
−HK$11,362/mo
▼ 0.25% · 3.875%
HK$215,941
−HK$5,722/mo
Today · 4.125%
HK$221,663
baseline
▲ 0.50% · 4.625%
HK$233,347
+HK$11,684/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,326/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,392 · Scale 2, in force from 26 Feb 2026)