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$106,896
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,221
−HK$3,379/mo
Today · 4.125%
HK$113,600
baseline
▲ 0.50% · 4.625%
HK$120,512
+HK$6,912/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,200/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,921
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,110
−HK$3,236/mo
Today · 4.125%
HK$125,346
baseline
▲ 0.50% · 4.625%
HK$131,953
+HK$6,607/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,692/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,275
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,266
−HK$4,053/mo
Today · 4.125%
HK$136,319
baseline
▲ 0.50% · 4.625%
HK$144,614
+HK$8,295/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$272,638/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,705
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,532
−HK$3,883/mo
Today · 4.125%
HK$150,415
baseline
▲ 0.50% · 4.625%
HK$158,344
+HK$7,929/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$300,830/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,655
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,310
−HK$4,729/mo
Today · 4.125%
HK$159,039
baseline
▲ 0.50% · 4.625%
HK$168,717
+HK$9,678/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$318,078/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,489
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,955
−HK$4,529/mo
Today · 4.125%
HK$175,484
baseline
▲ 0.50% · 4.625%
HK$184,734
+HK$9,250/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$350,968/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,413
−HK$12,066/mo
▼ 0.25% · 3.875%
HK$198,398
−HK$6,081/mo
Today · 4.125%
HK$204,479
baseline
▲ 0.50% · 4.625%
HK$216,921
+HK$12,442/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$408,958/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,058
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$219,799
−HK$5,824/mo
Today · 4.125%
HK$225,623
baseline
▲ 0.50% · 4.625%
HK$237,516
+HK$11,893/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$451,246/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,359 · Scale 2, in force from 26 Feb 2026)