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$105,705
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,993
−HK$3,341/mo
Today · 4.125%
HK$112,334
baseline
▲ 0.50% · 4.625%
HK$119,169
+HK$6,835/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$224,668/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,596
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,750
−HK$3,199/mo
Today · 4.125%
HK$123,949
baseline
▲ 0.50% · 4.625%
HK$130,483
+HK$6,534/mo
Deposit HK$23.18M · loan HK$23.18M · min. income ≈ HK$247,898/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,846
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,792
−HK$4,009/mo
Today · 4.125%
HK$134,801
baseline
▲ 0.50% · 4.625%
HK$143,003
+HK$8,202/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$269,602/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,115
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,900
−HK$3,839/mo
Today · 4.125%
HK$148,739
baseline
▲ 0.50% · 4.625%
HK$156,579
+HK$7,840/mo
Deposit HK$18.54M · loan HK$27.81M · min. income ≈ HK$297,478/mo (50% DSR)
Upfront cash ≈ HK$20.51M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,987
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,590
−HK$4,677/mo
Today · 4.125%
HK$157,267
baseline
▲ 0.50% · 4.625%
HK$166,837
+HK$9,570/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$314,534/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,634
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$169,050
−HK$4,479/mo
Today · 4.125%
HK$173,529
baseline
▲ 0.50% · 4.625%
HK$182,676
+HK$9,147/mo
Deposit HK$13.91M · loan HK$32.45M · min. income ≈ HK$347,058/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,269
−HK$11,932/mo
▼ 0.25% · 3.875%
HK$196,188
−HK$6,013/mo
Today · 4.125%
HK$202,201
baseline
▲ 0.50% · 4.625%
HK$214,504
+HK$12,303/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$404,402/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,673
−HK$11,436/mo
▼ 0.25% · 3.875%
HK$217,350
−HK$5,759/mo
Today · 4.125%
HK$223,109
baseline
▲ 0.50% · 4.625%
HK$234,869
+HK$11,760/mo
Deposit HK$4.64M · loan HK$41.72M · min. income ≈ HK$446,218/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,160 · Scale 2, in force from 26 Feb 2026)