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$106,679
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$109,998
−HK$3,371/mo
Today · 4.125%
HK$113,369
baseline
▲ 0.50% · 4.625%
HK$120,267
+HK$6,898/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,738/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,680
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,863
−HK$3,229/mo
Today · 4.125%
HK$125,092
baseline
▲ 0.50% · 4.625%
HK$131,685
+HK$6,593/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,184/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,015
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$131,997
−HK$4,046/mo
Today · 4.125%
HK$136,043
baseline
▲ 0.50% · 4.625%
HK$144,321
+HK$8,278/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$272,086/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,416
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$146,235
−HK$3,875/mo
Today · 4.125%
HK$150,110
baseline
▲ 0.50% · 4.625%
HK$158,022
+HK$7,912/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$300,220/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,351
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$153,997
−HK$4,720/mo
Today · 4.125%
HK$158,717
baseline
▲ 0.50% · 4.625%
HK$168,374
+HK$9,657/mo
Deposit HK$14.04M · loan HK$32.75M · min. income ≈ HK$317,434/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,152
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$170,608
−HK$4,520/mo
Today · 4.125%
HK$175,128
baseline
▲ 0.50% · 4.625%
HK$184,360
+HK$9,232/mo
Deposit HK$14.04M · loan HK$32.75M · min. income ≈ HK$350,256/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,023
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$197,996
−HK$6,068/mo
Today · 4.125%
HK$204,064
baseline
▲ 0.50% · 4.625%
HK$216,481
+HK$12,417/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$408,128/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,624
−HK$11,541/mo
▼ 0.25% · 3.875%
HK$219,353
−HK$5,812/mo
Today · 4.125%
HK$225,165
baseline
▲ 0.50% · 4.625%
HK$237,034
+HK$11,869/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$450,330/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,318 · Scale 2, in force from 26 Feb 2026)