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$106,001
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,298
−HK$3,350/mo
Today · 4.125%
HK$112,648
baseline
▲ 0.50% · 4.625%
HK$119,502
+HK$6,854/mo
Deposit HK$23.24M · loan HK$23.24M · min. income ≈ HK$225,296/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,925
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,088
−HK$3,208/mo
Today · 4.125%
HK$124,296
baseline
▲ 0.50% · 4.625%
HK$130,848
+HK$6,552/mo
Deposit HK$23.24M · loan HK$23.24M · min. income ≈ HK$248,592/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,201
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,158
−HK$4,020/mo
Today · 4.125%
HK$135,178
baseline
▲ 0.50% · 4.625%
HK$143,403
+HK$8,225/mo
Deposit HK$18.59M · loan HK$27.89M · min. income ≈ HK$270,356/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,510
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,305
−HK$3,850/mo
Today · 4.125%
HK$149,155
baseline
▲ 0.50% · 4.625%
HK$157,017
+HK$7,862/mo
Deposit HK$18.59M · loan HK$27.89M · min. income ≈ HK$298,310/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,401
−HK$9,306/mo
▼ 0.25% · 3.875%
HK$153,017
−HK$4,690/mo
Today · 4.125%
HK$157,707
baseline
▲ 0.50% · 4.625%
HK$167,303
+HK$9,596/mo
Deposit HK$13.95M · loan HK$32.54M · min. income ≈ HK$315,414/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,095
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$169,523
−HK$4,491/mo
Today · 4.125%
HK$174,014
baseline
▲ 0.50% · 4.625%
HK$183,187
+HK$9,173/mo
Deposit HK$13.95M · loan HK$32.54M · min. income ≈ HK$348,028/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,802
−HK$11,964/mo
▼ 0.25% · 3.875%
HK$196,737
−HK$6,029/mo
Today · 4.125%
HK$202,766
baseline
▲ 0.50% · 4.625%
HK$215,104
+HK$12,338/mo
Deposit HK$4.65M · loan HK$41.84M · min. income ≈ HK$405,532/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,265
−HK$11,468/mo
▼ 0.25% · 3.875%
HK$217,958
−HK$5,775/mo
Today · 4.125%
HK$223,733
baseline
▲ 0.50% · 4.625%
HK$235,526
+HK$11,793/mo
Deposit HK$4.65M · loan HK$41.84M · min. income ≈ HK$447,466/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,975,671 · Scale 2, in force from 26 Feb 2026)