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$106,348
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,656
−HK$3,361/mo
Today · 4.125%
HK$113,017
baseline
▲ 0.50% · 4.625%
HK$119,894
+HK$6,877/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$226,034/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,311
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,484
−HK$3,219/mo
Today · 4.125%
HK$124,703
baseline
▲ 0.50% · 4.625%
HK$131,276
+HK$6,573/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$249,406/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,618
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,587
−HK$4,033/mo
Today · 4.125%
HK$135,620
baseline
▲ 0.50% · 4.625%
HK$143,872
+HK$8,252/mo
Deposit HK$18.66M · loan HK$27.98M · min. income ≈ HK$271,240/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,973
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,781
−HK$3,863/mo
Today · 4.125%
HK$149,644
baseline
▲ 0.50% · 4.625%
HK$157,532
+HK$7,888/mo
Deposit HK$18.66M · loan HK$27.98M · min. income ≈ HK$299,288/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,887
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$153,518
−HK$4,706/mo
Today · 4.125%
HK$158,224
baseline
▲ 0.50% · 4.625%
HK$167,851
+HK$9,627/mo
Deposit HK$13.99M · loan HK$32.65M · min. income ≈ HK$316,448/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,635
−HK$8,949/mo
▼ 0.25% · 3.875%
HK$170,078
−HK$4,506/mo
Today · 4.125%
HK$174,584
baseline
▲ 0.50% · 4.625%
HK$183,787
+HK$9,203/mo
Deposit HK$13.99M · loan HK$32.65M · min. income ≈ HK$349,168/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,426
−HK$12,004/mo
▼ 0.25% · 3.875%
HK$197,381
−HK$6,049/mo
Today · 4.125%
HK$203,430
baseline
▲ 0.50% · 4.625%
HK$215,809
+HK$12,379/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$406,860/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,960
−HK$11,505/mo
▼ 0.25% · 3.875%
HK$218,671
−HK$5,794/mo
Today · 4.125%
HK$224,465
baseline
▲ 0.50% · 4.625%
HK$236,297
+HK$11,832/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$448,930/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,982,141 · Scale 2, in force from 26 Feb 2026)