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$105,856
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,148
−HK$3,346/mo
Today · 4.125%
HK$112,494
baseline
▲ 0.50% · 4.625%
HK$119,339
+HK$6,845/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,988/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,763
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,922
−HK$3,204/mo
Today · 4.125%
HK$124,126
baseline
▲ 0.50% · 4.625%
HK$130,668
+HK$6,542/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,252/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,027
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,978
−HK$4,014/mo
Today · 4.125%
HK$134,992
baseline
▲ 0.50% · 4.625%
HK$143,206
+HK$8,214/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,984/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,316
−HK$7,635/mo
▼ 0.25% · 3.875%
HK$145,106
−HK$3,845/mo
Today · 4.125%
HK$148,951
baseline
▲ 0.50% · 4.625%
HK$156,802
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,902/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,198
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,808
−HK$4,683/mo
Today · 4.125%
HK$157,491
baseline
▲ 0.50% · 4.625%
HK$167,074
+HK$9,583/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$314,982/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,869
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$169,290
−HK$4,486/mo
Today · 4.125%
HK$173,776
baseline
▲ 0.50% · 4.625%
HK$182,936
+HK$9,160/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$347,552/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,540
−HK$11,949/mo
▼ 0.25% · 3.875%
HK$196,467
−HK$6,022/mo
Today · 4.125%
HK$202,489
baseline
▲ 0.50% · 4.625%
HK$214,810
+HK$12,321/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$404,978/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,974
−HK$11,452/mo
▼ 0.25% · 3.875%
HK$217,659
−HK$5,767/mo
Today · 4.125%
HK$223,426
baseline
▲ 0.50% · 4.625%
HK$235,203
+HK$11,777/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$446,852/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,972,963 · Scale 2, in force from 26 Feb 2026)