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$106,722
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$110,041
−HK$3,373/mo
Today · 4.125%
HK$113,414
baseline
▲ 0.50% · 4.625%
HK$120,315
+HK$6,901/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,828/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,727
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$121,911
−HK$3,230/mo
Today · 4.125%
HK$125,141
baseline
▲ 0.50% · 4.625%
HK$131,738
+HK$6,597/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,282/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,066
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$132,050
−HK$4,047/mo
Today · 4.125%
HK$136,097
baseline
▲ 0.50% · 4.625%
HK$144,378
+HK$8,281/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,194/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,472
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$146,293
−HK$3,877/mo
Today · 4.125%
HK$150,170
baseline
▲ 0.50% · 4.625%
HK$158,085
+HK$7,915/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,340/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,410
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,058
−HK$4,722/mo
Today · 4.125%
HK$158,780
baseline
▲ 0.50% · 4.625%
HK$168,441
+HK$9,661/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,560/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,218
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,675
−HK$4,523/mo
Today · 4.125%
HK$175,198
baseline
▲ 0.50% · 4.625%
HK$184,433
+HK$9,235/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,396/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,099
−HK$12,046/mo
▼ 0.25% · 3.875%
HK$198,075
−HK$6,070/mo
Today · 4.125%
HK$204,145
baseline
▲ 0.50% · 4.625%
HK$216,567
+HK$12,422/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$408,290/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,708
−HK$11,546/mo
▼ 0.25% · 3.875%
HK$219,440
−HK$5,814/mo
Today · 4.125%
HK$225,254
baseline
▲ 0.50% · 4.625%
HK$237,128
+HK$11,874/mo
Deposit HK$4.68M · loan HK$42.12M · min. income ≈ HK$450,508/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,989,107 · Scale 2, in force from 26 Feb 2026)