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$105,915
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,210
−HK$3,347/mo
Today · 4.125%
HK$112,557
baseline
▲ 0.50% · 4.625%
HK$119,406
+HK$6,849/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$225,114/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,830
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,990
−HK$3,206/mo
Today · 4.125%
HK$124,196
baseline
▲ 0.50% · 4.625%
HK$130,742
+HK$6,546/mo
Deposit HK$23.22M · loan HK$23.22M · min. income ≈ HK$248,392/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,098
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,052
−HK$4,017/mo
Today · 4.125%
HK$135,069
baseline
▲ 0.50% · 4.625%
HK$143,287
+HK$8,218/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$270,138/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,396
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,188
−HK$3,847/mo
Today · 4.125%
HK$149,035
baseline
▲ 0.50% · 4.625%
HK$156,891
+HK$7,856/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$298,070/mo (50% DSR)
Upfront cash ≈ HK$20.55M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,282
−HK$9,298/mo
▼ 0.25% · 3.875%
HK$152,894
−HK$4,686/mo
Today · 4.125%
HK$157,580
baseline
▲ 0.50% · 4.625%
HK$167,168
+HK$9,588/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$315,160/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,962
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$169,386
−HK$4,488/mo
Today · 4.125%
HK$173,874
baseline
▲ 0.50% · 4.625%
HK$183,039
+HK$9,165/mo
Deposit HK$13.93M · loan HK$32.51M · min. income ≈ HK$347,748/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,648
−HK$11,955/mo
▼ 0.25% · 3.875%
HK$196,578
−HK$6,025/mo
Today · 4.125%
HK$202,603
baseline
▲ 0.50% · 4.625%
HK$214,931
+HK$12,328/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$405,206/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,094
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$217,782
−HK$5,770/mo
Today · 4.125%
HK$223,552
baseline
▲ 0.50% · 4.625%
HK$235,336
+HK$11,784/mo
Deposit HK$4.64M · loan HK$41.80M · min. income ≈ HK$447,104/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,078 · Scale 2, in force from 26 Feb 2026)