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$105,275
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,550
−HK$3,327/mo
Today · 4.125%
HK$111,877
baseline
▲ 0.50% · 4.625%
HK$118,685
+HK$6,808/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,754/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,118
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,259
−HK$3,186/mo
Today · 4.125%
HK$123,445
baseline
▲ 0.50% · 4.625%
HK$129,952
+HK$6,507/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,890/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,331
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$130,260
−HK$3,993/mo
Today · 4.125%
HK$134,253
baseline
▲ 0.50% · 4.625%
HK$142,422
+HK$8,169/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$268,506/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,541
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,311
−HK$3,823/mo
Today · 4.125%
HK$148,134
baseline
▲ 0.50% · 4.625%
HK$155,943
+HK$7,809/mo
Deposit HK$18.47M · loan HK$27.70M · min. income ≈ HK$296,268/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,386
−HK$9,242/mo
▼ 0.25% · 3.875%
HK$151,970
−HK$4,658/mo
Today · 4.125%
HK$156,628
baseline
▲ 0.50% · 4.625%
HK$166,158
+HK$9,530/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$313,256/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,965
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,362
−HK$4,462/mo
Today · 4.125%
HK$172,824
baseline
▲ 0.50% · 4.625%
HK$181,933
+HK$9,109/mo
Deposit HK$13.85M · loan HK$32.32M · min. income ≈ HK$345,648/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,496
−HK$11,883/mo
▼ 0.25% · 3.875%
HK$195,390
−HK$5,989/mo
Today · 4.125%
HK$201,379
baseline
▲ 0.50% · 4.625%
HK$213,632
+HK$12,253/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$402,758/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,812
−HK$11,390/mo
▼ 0.25% · 3.875%
HK$216,466
−HK$5,736/mo
Today · 4.125%
HK$222,202
baseline
▲ 0.50% · 4.625%
HK$233,914
+HK$11,712/mo
Deposit HK$4.62M · loan HK$41.55M · min. income ≈ HK$444,404/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,151 · Scale 2, in force from 26 Feb 2026)