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$105,543
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,826
−HK$3,336/mo
Today · 4.125%
HK$112,162
baseline
▲ 0.50% · 4.625%
HK$118,987
+HK$6,825/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,324/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,416
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,565
−HK$3,194/mo
Today · 4.125%
HK$123,759
baseline
▲ 0.50% · 4.625%
HK$130,283
+HK$6,524/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,518/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,652
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,592
−HK$4,002/mo
Today · 4.125%
HK$134,594
baseline
▲ 0.50% · 4.625%
HK$142,784
+HK$8,190/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$269,188/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,899
−HK$7,612/mo
▼ 0.25% · 3.875%
HK$144,678
−HK$3,833/mo
Today · 4.125%
HK$148,511
baseline
▲ 0.50% · 4.625%
HK$156,340
+HK$7,829/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$297,022/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,761
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$152,357
−HK$4,669/mo
Today · 4.125%
HK$157,026
baseline
▲ 0.50% · 4.625%
HK$166,581
+HK$9,555/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$314,052/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,382
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,791
−HK$4,472/mo
Today · 4.125%
HK$173,263
baseline
▲ 0.50% · 4.625%
HK$182,396
+HK$9,133/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$346,526/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,978
−HK$11,913/mo
▼ 0.25% · 3.875%
HK$195,887
−HK$6,004/mo
Today · 4.125%
HK$201,891
baseline
▲ 0.50% · 4.625%
HK$214,176
+HK$12,285/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$403,782/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,349
−HK$11,418/mo
▼ 0.25% · 3.875%
HK$217,017
−HK$5,750/mo
Today · 4.125%
HK$222,767
baseline
▲ 0.50% · 4.625%
HK$234,509
+HK$11,742/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$445,534/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,143 · Scale 2, in force from 26 Feb 2026)