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$107,127
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,459
−HK$3,385/mo
Today · 4.125%
HK$113,844
baseline
▲ 0.50% · 4.625%
HK$120,772
+HK$6,928/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$227,688/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,177
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,374
−HK$3,242/mo
Today · 4.125%
HK$125,616
baseline
▲ 0.50% · 4.625%
HK$132,237
+HK$6,621/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$251,232/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,552
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,551
−HK$4,062/mo
Today · 4.125%
HK$136,613
baseline
▲ 0.50% · 4.625%
HK$144,926
+HK$8,313/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$273,226/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,013
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,848
−HK$3,891/mo
Today · 4.125%
HK$150,739
baseline
▲ 0.50% · 4.625%
HK$158,685
+HK$7,946/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$301,478/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,977
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,642
−HK$4,740/mo
Today · 4.125%
HK$159,382
baseline
▲ 0.50% · 4.625%
HK$169,080
+HK$9,698/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$318,764/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,848
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,323
−HK$4,539/mo
Today · 4.125%
HK$175,862
baseline
▲ 0.50% · 4.625%
HK$185,132
+HK$9,270/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$351,724/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,828
−HK$12,092/mo
▼ 0.25% · 3.875%
HK$198,826
−HK$6,094/mo
Today · 4.125%
HK$204,920
baseline
▲ 0.50% · 4.625%
HK$217,389
+HK$12,469/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$409,840/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,519
−HK$11,590/mo
▼ 0.25% · 3.875%
HK$220,272
−HK$5,837/mo
Today · 4.125%
HK$226,109
baseline
▲ 0.50% · 4.625%
HK$238,027
+HK$11,918/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$452,218/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,653 · Scale 2, in force from 26 Feb 2026)