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$105,171
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,443
−HK$3,324/mo
Today · 4.125%
HK$111,767
baseline
▲ 0.50% · 4.625%
HK$118,567
+HK$6,800/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,534/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,002
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,140
−HK$3,183/mo
Today · 4.125%
HK$123,323
baseline
▲ 0.50% · 4.625%
HK$129,824
+HK$6,501/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,646/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,206
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,131
−HK$3,989/mo
Today · 4.125%
HK$134,120
baseline
▲ 0.50% · 4.625%
HK$142,281
+HK$8,161/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,240/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,403
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,168
−HK$3,820/mo
Today · 4.125%
HK$147,988
baseline
▲ 0.50% · 4.625%
HK$155,789
+HK$7,801/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,976/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,240
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,820
−HK$4,653/mo
Today · 4.125%
HK$156,473
baseline
▲ 0.50% · 4.625%
HK$165,994
+HK$9,521/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$312,946/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,803
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,196
−HK$4,457/mo
Today · 4.125%
HK$172,653
baseline
▲ 0.50% · 4.625%
HK$181,754
+HK$9,101/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,306/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,309
−HK$11,871/mo
▼ 0.25% · 3.875%
HK$195,197
−HK$5,983/mo
Today · 4.125%
HK$201,180
baseline
▲ 0.50% · 4.625%
HK$213,421
+HK$12,241/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,360/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,604
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$216,252
−HK$5,730/mo
Today · 4.125%
HK$221,982
baseline
▲ 0.50% · 4.625%
HK$233,683
+HK$11,701/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,964/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,212 · Scale 2, in force from 26 Feb 2026)