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$105,327
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,603
−HK$3,328/mo
Today · 4.125%
HK$111,931
baseline
▲ 0.50% · 4.625%
HK$118,742
+HK$6,811/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,862/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,175
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,317
−HK$3,188/mo
Today · 4.125%
HK$123,505
baseline
▲ 0.50% · 4.625%
HK$130,015
+HK$6,510/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,010/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,392
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,323
−HK$3,995/mo
Today · 4.125%
HK$134,318
baseline
▲ 0.50% · 4.625%
HK$142,491
+HK$8,173/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$268,636/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,610
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,381
−HK$3,825/mo
Today · 4.125%
HK$148,206
baseline
▲ 0.50% · 4.625%
HK$156,019
+HK$7,813/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$296,412/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,457
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,044
−HK$4,660/mo
Today · 4.125%
HK$156,704
baseline
▲ 0.50% · 4.625%
HK$166,239
+HK$9,535/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,408/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,045
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$168,444
−HK$4,463/mo
Today · 4.125%
HK$172,907
baseline
▲ 0.50% · 4.625%
HK$182,022
+HK$9,115/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,814/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,588
−HK$11,889/mo
▼ 0.25% · 3.875%
HK$195,485
−HK$5,992/mo
Today · 4.125%
HK$201,477
baseline
▲ 0.50% · 4.625%
HK$213,736
+HK$12,259/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,954/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,914
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,571
−HK$5,739/mo
Today · 4.125%
HK$222,310
baseline
▲ 0.50% · 4.625%
HK$234,028
+HK$11,718/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,620/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,103 · Scale 2, in force from 26 Feb 2026)