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$105,161
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,433
−HK$3,323/mo
Today · 4.125%
HK$111,756
baseline
▲ 0.50% · 4.625%
HK$118,556
+HK$6,800/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$223,512/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,991
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,129
−HK$3,183/mo
Today · 4.125%
HK$123,312
baseline
▲ 0.50% · 4.625%
HK$129,812
+HK$6,500/mo
Deposit HK$23.06M · loan HK$23.06M · min. income ≈ HK$246,624/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,194
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,119
−HK$3,988/mo
Today · 4.125%
HK$134,107
baseline
▲ 0.50% · 4.625%
HK$142,267
+HK$8,160/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$268,214/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,389
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,154
−HK$3,820/mo
Today · 4.125%
HK$147,974
baseline
▲ 0.50% · 4.625%
HK$155,774
+HK$7,800/mo
Deposit HK$18.45M · loan HK$27.67M · min. income ≈ HK$295,948/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,226
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,806
−HK$4,652/mo
Today · 4.125%
HK$156,458
baseline
▲ 0.50% · 4.625%
HK$165,979
+HK$9,521/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$312,916/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,788
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,180
−HK$4,456/mo
Today · 4.125%
HK$172,636
baseline
▲ 0.50% · 4.625%
HK$181,736
+HK$9,100/mo
Deposit HK$13.84M · loan HK$32.28M · min. income ≈ HK$345,272/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,291
−HK$11,870/mo
▼ 0.25% · 3.875%
HK$195,179
−HK$5,982/mo
Today · 4.125%
HK$201,161
baseline
▲ 0.50% · 4.625%
HK$213,401
+HK$12,240/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$402,322/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,584
−HK$11,377/mo
▼ 0.25% · 3.875%
HK$216,232
−HK$5,729/mo
Today · 4.125%
HK$221,961
baseline
▲ 0.50% · 4.625%
HK$233,661
+HK$11,700/mo
Deposit HK$4.61M · loan HK$41.51M · min. income ≈ HK$443,922/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,027 · Scale 2, in force from 26 Feb 2026)