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$105,225
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,498
−HK$3,326/mo
Today · 4.125%
HK$111,824
baseline
▲ 0.50% · 4.625%
HK$118,628
+HK$6,804/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,648/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,062
−HK$6,325/mo
▼ 0.25% · 3.875%
HK$120,202
−HK$3,185/mo
Today · 4.125%
HK$123,387
baseline
▲ 0.50% · 4.625%
HK$129,891
+HK$6,504/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,774/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,270
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,198
−HK$3,991/mo
Today · 4.125%
HK$134,189
baseline
▲ 0.50% · 4.625%
HK$142,354
+HK$8,165/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$268,378/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,475
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,242
−HK$3,822/mo
Today · 4.125%
HK$148,064
baseline
▲ 0.50% · 4.625%
HK$155,869
+HK$7,805/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$296,128/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,315
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$151,898
−HK$4,655/mo
Today · 4.125%
HK$156,553
baseline
▲ 0.50% · 4.625%
HK$166,079
+HK$9,526/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$313,106/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,887
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$168,282
−HK$4,459/mo
Today · 4.125%
HK$172,741
baseline
▲ 0.50% · 4.625%
HK$181,847
+HK$9,106/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$345,482/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,406
−HK$11,877/mo
▼ 0.25% · 3.875%
HK$195,297
−HK$5,986/mo
Today · 4.125%
HK$201,283
baseline
▲ 0.50% · 4.625%
HK$213,531
+HK$12,248/mo
Deposit HK$4.61M · loan HK$41.53M · min. income ≈ HK$402,566/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,712
−HK$11,384/mo
▼ 0.25% · 3.875%
HK$216,363
−HK$5,733/mo
Today · 4.125%
HK$222,096
baseline
▲ 0.50% · 4.625%
HK$233,803
+HK$11,707/mo
Deposit HK$4.61M · loan HK$41.53M · min. income ≈ HK$444,192/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,217 · Scale 2, in force from 26 Feb 2026)