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$105,778
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,068
−HK$3,343/mo
Today · 4.125%
HK$112,411
baseline
▲ 0.50% · 4.625%
HK$119,251
+HK$6,840/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$224,822/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,677
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,833
−HK$3,202/mo
Today · 4.125%
HK$124,035
baseline
▲ 0.50% · 4.625%
HK$130,573
+HK$6,538/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$248,070/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,933
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,882
−HK$4,011/mo
Today · 4.125%
HK$134,893
baseline
▲ 0.50% · 4.625%
HK$143,101
+HK$8,208/mo
Deposit HK$18.56M · loan HK$27.83M · min. income ≈ HK$269,786/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,212
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,999
−HK$3,842/mo
Today · 4.125%
HK$148,841
baseline
▲ 0.50% · 4.625%
HK$156,687
+HK$7,846/mo
Deposit HK$18.56M · loan HK$27.83M · min. income ≈ HK$297,682/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,089
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,695
−HK$4,680/mo
Today · 4.125%
HK$157,375
baseline
▲ 0.50% · 4.625%
HK$166,951
+HK$9,576/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$314,750/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,748
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,166
−HK$4,482/mo
Today · 4.125%
HK$173,648
baseline
▲ 0.50% · 4.625%
HK$182,802
+HK$9,154/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$347,296/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,400
−HK$11,940/mo
▼ 0.25% · 3.875%
HK$196,323
−HK$6,017/mo
Today · 4.125%
HK$202,340
baseline
▲ 0.50% · 4.625%
HK$214,652
+HK$12,312/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$404,680/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,818
−HK$11,444/mo
▼ 0.25% · 3.875%
HK$217,499
−HK$5,763/mo
Today · 4.125%
HK$223,262
baseline
▲ 0.50% · 4.625%
HK$235,031
+HK$11,769/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$446,524/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,515 · Scale 2, in force from 26 Feb 2026)