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$105,849
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,141
−HK$3,345/mo
Today · 4.125%
HK$112,486
baseline
▲ 0.50% · 4.625%
HK$119,331
+HK$6,845/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,972/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,756
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,914
−HK$3,204/mo
Today · 4.125%
HK$124,118
baseline
▲ 0.50% · 4.625%
HK$130,660
+HK$6,542/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,236/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,019
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,970
−HK$4,014/mo
Today · 4.125%
HK$134,984
baseline
▲ 0.50% · 4.625%
HK$143,197
+HK$8,213/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,968/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,307
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,097
−HK$3,844/mo
Today · 4.125%
HK$148,941
baseline
▲ 0.50% · 4.625%
HK$156,792
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,882/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,188
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,798
−HK$4,683/mo
Today · 4.125%
HK$157,481
baseline
▲ 0.50% · 4.625%
HK$167,063
+HK$9,582/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$314,962/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,858
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,279
−HK$4,486/mo
Today · 4.125%
HK$173,765
baseline
▲ 0.50% · 4.625%
HK$182,924
+HK$9,159/mo
Deposit HK$13.93M · loan HK$32.49M · min. income ≈ HK$347,530/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,528
−HK$11,948/mo
▼ 0.25% · 3.875%
HK$196,454
−HK$6,022/mo
Today · 4.125%
HK$202,476
baseline
▲ 0.50% · 4.625%
HK$214,796
+HK$12,320/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$404,952/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,960
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$217,645
−HK$5,767/mo
Today · 4.125%
HK$223,412
baseline
▲ 0.50% · 4.625%
HK$235,188
+HK$11,776/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$446,824/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,837 · Scale 2, in force from 26 Feb 2026)