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$106,371
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,679
−HK$3,362/mo
Today · 4.125%
HK$113,041
baseline
▲ 0.50% · 4.625%
HK$119,919
+HK$6,878/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$226,082/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,336
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,510
−HK$3,220/mo
Today · 4.125%
HK$124,730
baseline
▲ 0.50% · 4.625%
HK$131,304
+HK$6,574/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$249,460/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,645
−HK$8,004/mo
▼ 0.25% · 3.875%
HK$131,615
−HK$4,034/mo
Today · 4.125%
HK$135,649
baseline
▲ 0.50% · 4.625%
HK$143,903
+HK$8,254/mo
Deposit HK$18.66M · loan HK$27.99M · min. income ≈ HK$271,298/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,004
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$145,812
−HK$3,864/mo
Today · 4.125%
HK$149,676
baseline
▲ 0.50% · 4.625%
HK$157,565
+HK$7,889/mo
Deposit HK$18.66M · loan HK$27.99M · min. income ≈ HK$299,352/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,919
−HK$9,339/mo
▼ 0.25% · 3.875%
HK$153,551
−HK$4,707/mo
Today · 4.125%
HK$158,258
baseline
▲ 0.50% · 4.625%
HK$167,887
+HK$9,629/mo
Deposit HK$13.99M · loan HK$32.65M · min. income ≈ HK$316,516/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,671
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$170,114
−HK$4,508/mo
Today · 4.125%
HK$174,622
baseline
▲ 0.50% · 4.625%
HK$183,826
+HK$9,204/mo
Deposit HK$13.99M · loan HK$32.65M · min. income ≈ HK$349,244/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,467
−HK$12,007/mo
▼ 0.25% · 3.875%
HK$197,423
−HK$6,051/mo
Today · 4.125%
HK$203,474
baseline
▲ 0.50% · 4.625%
HK$215,855
+HK$12,381/mo
Deposit HK$4.66M · loan HK$41.98M · min. income ≈ HK$406,948/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,006
−HK$11,508/mo
▼ 0.25% · 3.875%
HK$218,718
−HK$5,796/mo
Today · 4.125%
HK$224,514
baseline
▲ 0.50% · 4.625%
HK$236,348
+HK$11,834/mo
Deposit HK$4.66M · loan HK$41.98M · min. income ≈ HK$449,028/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,982,566 · Scale 2, in force from 26 Feb 2026)