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$105,796
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$109,087
−HK$3,343/mo
Today · 4.125%
HK$112,430
baseline
▲ 0.50% · 4.625%
HK$119,271
+HK$6,841/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$224,860/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,697
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,854
−HK$3,202/mo
Today · 4.125%
HK$124,056
baseline
▲ 0.50% · 4.625%
HK$130,595
+HK$6,539/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$248,112/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,955
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,904
−HK$4,012/mo
Today · 4.125%
HK$134,916
baseline
▲ 0.50% · 4.625%
HK$143,126
+HK$8,210/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$269,832/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,236
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,024
−HK$3,843/mo
Today · 4.125%
HK$148,867
baseline
▲ 0.50% · 4.625%
HK$156,714
+HK$7,847/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$297,734/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,114
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,722
−HK$4,680/mo
Today · 4.125%
HK$157,402
baseline
▲ 0.50% · 4.625%
HK$166,980
+HK$9,578/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$314,804/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,776
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$169,195
−HK$4,483/mo
Today · 4.125%
HK$173,678
baseline
▲ 0.50% · 4.625%
HK$182,833
+HK$9,155/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$347,356/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,433
−HK$11,942/mo
▼ 0.25% · 3.875%
HK$196,356
−HK$6,019/mo
Today · 4.125%
HK$202,375
baseline
▲ 0.50% · 4.625%
HK$214,689
+HK$12,314/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$404,750/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,855
−HK$11,445/mo
▼ 0.25% · 3.875%
HK$217,536
−HK$5,764/mo
Today · 4.125%
HK$223,300
baseline
▲ 0.50% · 4.625%
HK$235,071
+HK$11,771/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$446,600/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,853 · Scale 2, in force from 26 Feb 2026)