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$105,677
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,964
−HK$3,340/mo
Today · 4.125%
HK$112,304
baseline
▲ 0.50% · 4.625%
HK$119,137
+HK$6,833/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,608/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,565
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,718
−HK$3,198/mo
Today · 4.125%
HK$123,916
baseline
▲ 0.50% · 4.625%
HK$130,448
+HK$6,532/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,832/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,812
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,757
−HK$4,008/mo
Today · 4.125%
HK$134,765
baseline
▲ 0.50% · 4.625%
HK$142,965
+HK$8,200/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,530/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,078
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,861
−HK$3,839/mo
Today · 4.125%
HK$148,700
baseline
▲ 0.50% · 4.625%
HK$156,538
+HK$7,838/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,400/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,948
−HK$9,277/mo
▼ 0.25% · 3.875%
HK$152,550
−HK$4,675/mo
Today · 4.125%
HK$157,225
baseline
▲ 0.50% · 4.625%
HK$166,792
+HK$9,567/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$314,450/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,590
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$169,005
−HK$4,478/mo
Today · 4.125%
HK$173,483
baseline
▲ 0.50% · 4.625%
HK$182,627
+HK$9,144/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$346,966/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,219
−HK$11,928/mo
▼ 0.25% · 3.875%
HK$196,135
−HK$6,012/mo
Today · 4.125%
HK$202,147
baseline
▲ 0.50% · 4.625%
HK$214,447
+HK$12,300/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$404,294/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,616
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$217,292
−HK$5,757/mo
Today · 4.125%
HK$223,049
baseline
▲ 0.50% · 4.625%
HK$234,806
+HK$11,757/mo
Deposit HK$4.63M · loan HK$41.71M · min. income ≈ HK$446,098/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,635 · Scale 2, in force from 26 Feb 2026)