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$106,900
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,225
−HK$3,378/mo
Today · 4.125%
HK$113,603
baseline
▲ 0.50% · 4.625%
HK$120,516
+HK$6,913/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$227,206/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,925
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,115
−HK$3,235/mo
Today · 4.125%
HK$125,350
baseline
▲ 0.50% · 4.625%
HK$131,958
+HK$6,608/mo
Deposit HK$23.44M · loan HK$23.44M · min. income ≈ HK$250,700/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,280
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,270
−HK$4,054/mo
Today · 4.125%
HK$136,324
baseline
▲ 0.50% · 4.625%
HK$144,619
+HK$8,295/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$272,648/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,710
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,537
−HK$3,883/mo
Today · 4.125%
HK$150,420
baseline
▲ 0.50% · 4.625%
HK$158,349
+HK$7,929/mo
Deposit HK$18.75M · loan HK$28.13M · min. income ≈ HK$300,840/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,660
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$154,315
−HK$4,730/mo
Today · 4.125%
HK$159,045
baseline
▲ 0.50% · 4.625%
HK$168,722
+HK$9,677/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$318,090/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,495
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,960
−HK$4,530/mo
Today · 4.125%
HK$175,490
baseline
▲ 0.50% · 4.625%
HK$184,741
+HK$9,251/mo
Deposit HK$14.06M · loan HK$32.82M · min. income ≈ HK$350,980/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,420
−HK$12,066/mo
▼ 0.25% · 3.875%
HK$198,405
−HK$6,081/mo
Today · 4.125%
HK$204,486
baseline
▲ 0.50% · 4.625%
HK$216,929
+HK$12,443/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$408,972/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,065
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$219,806
−HK$5,824/mo
Today · 4.125%
HK$225,630
baseline
▲ 0.50% · 4.625%
HK$237,524
+HK$11,894/mo
Deposit HK$4.69M · loan HK$42.19M · min. income ≈ HK$451,260/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,427 · Scale 2, in force from 26 Feb 2026)