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$106,705
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,024
−HK$3,372/mo
Today · 4.125%
HK$113,396
baseline
▲ 0.50% · 4.625%
HK$120,296
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,792/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,708
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,891
−HK$3,230/mo
Today · 4.125%
HK$125,121
baseline
▲ 0.50% · 4.625%
HK$131,716
+HK$6,595/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,242/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,045
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,028
−HK$4,047/mo
Today · 4.125%
HK$136,075
baseline
▲ 0.50% · 4.625%
HK$144,355
+HK$8,280/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,150/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,449
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,270
−HK$3,875/mo
Today · 4.125%
HK$150,145
baseline
▲ 0.50% · 4.625%
HK$158,060
+HK$7,915/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,290/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,386
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,033
−HK$4,721/mo
Today · 4.125%
HK$158,754
baseline
▲ 0.50% · 4.625%
HK$168,414
+HK$9,660/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,508/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,191
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,648
−HK$4,522/mo
Today · 4.125%
HK$175,170
baseline
▲ 0.50% · 4.625%
HK$184,403
+HK$9,233/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,340/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,068
−HK$12,044/mo
▼ 0.25% · 3.875%
HK$198,043
−HK$6,069/mo
Today · 4.125%
HK$204,112
baseline
▲ 0.50% · 4.625%
HK$216,532
+HK$12,420/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,224/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,674
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$219,404
−HK$5,814/mo
Today · 4.125%
HK$225,218
baseline
▲ 0.50% · 4.625%
HK$237,090
+HK$11,872/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,436/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,786 · Scale 2, in force from 26 Feb 2026)