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$105,433
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,713
−HK$3,332/mo
Today · 4.125%
HK$112,045
baseline
▲ 0.50% · 4.625%
HK$118,863
+HK$6,818/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,090/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,294
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,439
−HK$3,192/mo
Today · 4.125%
HK$123,631
baseline
▲ 0.50% · 4.625%
HK$130,147
+HK$6,516/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,262/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,520
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,456
−HK$3,998/mo
Today · 4.125%
HK$134,454
baseline
▲ 0.50% · 4.625%
HK$142,635
+HK$8,181/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$268,908/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,752
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,527
−HK$3,830/mo
Today · 4.125%
HK$148,357
baseline
▲ 0.50% · 4.625%
HK$156,177
+HK$7,820/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$296,714/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,607
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$152,198
−HK$4,665/mo
Today · 4.125%
HK$156,863
baseline
▲ 0.50% · 4.625%
HK$166,408
+HK$9,545/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,726/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,211
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$168,615
−HK$4,468/mo
Today · 4.125%
HK$173,083
baseline
▲ 0.50% · 4.625%
HK$182,206
+HK$9,123/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,166/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,780
−HK$11,901/mo
▼ 0.25% · 3.875%
HK$195,684
−HK$5,997/mo
Today · 4.125%
HK$201,681
baseline
▲ 0.50% · 4.625%
HK$213,953
+HK$12,272/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$403,362/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,129
−HK$11,406/mo
▼ 0.25% · 3.875%
HK$216,791
−HK$5,744/mo
Today · 4.125%
HK$222,535
baseline
▲ 0.50% · 4.625%
HK$234,265
+HK$11,730/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$445,070/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,096 · Scale 2, in force from 26 Feb 2026)