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$105,051
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,319
−HK$3,320/mo
Today · 4.125%
HK$111,639
baseline
▲ 0.50% · 4.625%
HK$118,432
+HK$6,793/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,278/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,869
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,003
−HK$3,180/mo
Today · 4.125%
HK$123,183
baseline
▲ 0.50% · 4.625%
HK$129,676
+HK$6,493/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,366/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,062
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,983
−HK$3,984/mo
Today · 4.125%
HK$133,967
baseline
▲ 0.50% · 4.625%
HK$142,118
+HK$8,151/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$267,934/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,242
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,003
−HK$3,816/mo
Today · 4.125%
HK$147,819
baseline
▲ 0.50% · 4.625%
HK$155,611
+HK$7,792/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$295,638/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,072
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$151,647
−HK$4,648/mo
Today · 4.125%
HK$156,295
baseline
▲ 0.50% · 4.625%
HK$165,805
+HK$9,510/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$312,590/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,616
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,004
−HK$4,452/mo
Today · 4.125%
HK$172,456
baseline
▲ 0.50% · 4.625%
HK$181,546
+HK$9,090/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$344,912/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,092
−HK$11,858/mo
▼ 0.25% · 3.875%
HK$194,974
−HK$5,976/mo
Today · 4.125%
HK$200,950
baseline
▲ 0.50% · 4.625%
HK$213,177
+HK$12,227/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$401,900/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,363
−HK$11,366/mo
▼ 0.25% · 3.875%
HK$216,005
−HK$5,724/mo
Today · 4.125%
HK$221,729
baseline
▲ 0.50% · 4.625%
HK$233,416
+HK$11,687/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$443,458/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,974 · Scale 2, in force from 26 Feb 2026)