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$106,204
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,508
−HK$3,356/mo
Today · 4.125%
HK$112,864
baseline
▲ 0.50% · 4.625%
HK$119,731
+HK$6,867/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$225,728/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,151
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,320
−HK$3,214/mo
Today · 4.125%
HK$124,534
baseline
▲ 0.50% · 4.625%
HK$131,099
+HK$6,565/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$249,068/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,445
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,409
−HK$4,028/mo
Today · 4.125%
HK$135,437
baseline
▲ 0.50% · 4.625%
HK$143,678
+HK$8,241/mo
Deposit HK$18.63M · loan HK$27.95M · min. income ≈ HK$270,874/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,781
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,584
−HK$3,857/mo
Today · 4.125%
HK$149,441
baseline
▲ 0.50% · 4.625%
HK$157,318
+HK$7,877/mo
Deposit HK$18.63M · loan HK$27.95M · min. income ≈ HK$298,882/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,686
−HK$9,324/mo
▼ 0.25% · 3.875%
HK$153,311
−HK$4,699/mo
Today · 4.125%
HK$158,010
baseline
▲ 0.50% · 4.625%
HK$167,624
+HK$9,614/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$316,020/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,411
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$169,847
−HK$4,501/mo
Today · 4.125%
HK$174,348
baseline
▲ 0.50% · 4.625%
HK$183,538
+HK$9,190/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$348,696/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,167
−HK$11,988/mo
▼ 0.25% · 3.875%
HK$197,114
−HK$6,041/mo
Today · 4.125%
HK$203,155
baseline
▲ 0.50% · 4.625%
HK$215,517
+HK$12,362/mo
Deposit HK$4.66M · loan HK$41.92M · min. income ≈ HK$406,310/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,672
−HK$11,490/mo
▼ 0.25% · 3.875%
HK$218,375
−HK$5,787/mo
Today · 4.125%
HK$224,162
baseline
▲ 0.50% · 4.625%
HK$235,977
+HK$11,815/mo
Deposit HK$4.66M · loan HK$41.92M · min. income ≈ HK$448,324/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,458 · Scale 2, in force from 26 Feb 2026)