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$105,437
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,717
−HK$3,332/mo
Today · 4.125%
HK$112,049
baseline
▲ 0.50% · 4.625%
HK$118,867
+HK$6,818/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,098/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,298
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,444
−HK$3,191/mo
Today · 4.125%
HK$123,635
baseline
▲ 0.50% · 4.625%
HK$130,152
+HK$6,517/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,270/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,524
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,460
−HK$3,999/mo
Today · 4.125%
HK$134,459
baseline
▲ 0.50% · 4.625%
HK$142,640
+HK$8,181/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$268,918/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,757
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,532
−HK$3,830/mo
Today · 4.125%
HK$148,362
baseline
▲ 0.50% · 4.625%
HK$156,182
+HK$7,820/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$296,724/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,612
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$152,203
−HK$4,665/mo
Today · 4.125%
HK$156,868
baseline
▲ 0.50% · 4.625%
HK$166,414
+HK$9,546/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,736/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,217
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$168,621
−HK$4,468/mo
Today · 4.125%
HK$173,089
baseline
▲ 0.50% · 4.625%
HK$182,213
+HK$9,124/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,178/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,787
−HK$11,901/mo
▼ 0.25% · 3.875%
HK$195,690
−HK$5,998/mo
Today · 4.125%
HK$201,688
baseline
▲ 0.50% · 4.625%
HK$213,960
+HK$12,272/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$403,376/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,136
−HK$11,407/mo
▼ 0.25% · 3.875%
HK$216,798
−HK$5,745/mo
Today · 4.125%
HK$222,543
baseline
▲ 0.50% · 4.625%
HK$234,273
+HK$11,730/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$445,086/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,163 · Scale 2, in force from 26 Feb 2026)