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$105,773
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$3,343/mo
Today · 4.125%
HK$112,406
baseline
▲ 0.50% · 4.625%
HK$119,245
+HK$6,839/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$224,812/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,671
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,827
−HK$3,202/mo
Today · 4.125%
HK$124,029
baseline
▲ 0.50% · 4.625%
HK$130,566
+HK$6,537/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$248,058/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,927
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,876
−HK$4,011/mo
Today · 4.125%
HK$134,887
baseline
▲ 0.50% · 4.625%
HK$143,094
+HK$8,207/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$269,774/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,206
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$144,993
−HK$3,841/mo
Today · 4.125%
HK$148,834
baseline
▲ 0.50% · 4.625%
HK$156,680
+HK$7,846/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$297,668/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,082
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,688
−HK$4,680/mo
Today · 4.125%
HK$157,368
baseline
▲ 0.50% · 4.625%
HK$166,944
+HK$9,576/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$314,736/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,740
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,158
−HK$4,482/mo
Today · 4.125%
HK$173,640
baseline
▲ 0.50% · 4.625%
HK$182,793
+HK$9,153/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$347,280/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,391
−HK$11,939/mo
▼ 0.25% · 3.875%
HK$196,313
−HK$6,017/mo
Today · 4.125%
HK$202,330
baseline
▲ 0.50% · 4.625%
HK$214,642
+HK$12,312/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$404,660/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,808
−HK$11,444/mo
▼ 0.25% · 3.875%
HK$217,489
−HK$5,763/mo
Today · 4.125%
HK$223,252
baseline
▲ 0.50% · 4.625%
HK$235,020
+HK$11,768/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$446,504/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,422 · Scale 2, in force from 26 Feb 2026)