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$105,941
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,237
−HK$3,348/mo
Today · 4.125%
HK$112,585
baseline
▲ 0.50% · 4.625%
HK$119,435
+HK$6,850/mo
Deposit HK$23.23M · loan HK$23.23M · min. income ≈ HK$225,170/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,859
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,020
−HK$3,206/mo
Today · 4.125%
HK$124,226
baseline
▲ 0.50% · 4.625%
HK$130,774
+HK$6,548/mo
Deposit HK$23.23M · loan HK$23.23M · min. income ≈ HK$248,452/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,130
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$131,084
−HK$4,018/mo
Today · 4.125%
HK$135,102
baseline
▲ 0.50% · 4.625%
HK$143,322
+HK$8,220/mo
Deposit HK$18.58M · loan HK$27.88M · min. income ≈ HK$270,204/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,430
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,223
−HK$3,848/mo
Today · 4.125%
HK$149,071
baseline
▲ 0.50% · 4.625%
HK$156,929
+HK$7,858/mo
Deposit HK$18.58M · loan HK$27.88M · min. income ≈ HK$298,142/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,318
−HK$9,301/mo
▼ 0.25% · 3.875%
HK$152,931
−HK$4,688/mo
Today · 4.125%
HK$157,619
baseline
▲ 0.50% · 4.625%
HK$167,209
+HK$9,590/mo
Deposit HK$13.94M · loan HK$32.52M · min. income ≈ HK$315,238/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,002
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$169,427
−HK$4,490/mo
Today · 4.125%
HK$173,917
baseline
▲ 0.50% · 4.625%
HK$183,084
+HK$9,167/mo
Deposit HK$13.94M · loan HK$32.52M · min. income ≈ HK$347,834/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,694
−HK$11,959/mo
▼ 0.25% · 3.875%
HK$196,626
−HK$6,027/mo
Today · 4.125%
HK$202,653
baseline
▲ 0.50% · 4.625%
HK$214,984
+HK$12,331/mo
Deposit HK$4.65M · loan HK$41.81M · min. income ≈ HK$405,306/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,146
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$217,835
−HK$5,772/mo
Today · 4.125%
HK$223,607
baseline
▲ 0.50% · 4.625%
HK$235,394
+HK$11,787/mo
Deposit HK$4.65M · loan HK$41.81M · min. income ≈ HK$447,214/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,562 · Scale 2, in force from 26 Feb 2026)