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$107,073
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,404
−HK$3,384/mo
Today · 4.125%
HK$113,788
baseline
▲ 0.50% · 4.625%
HK$120,712
+HK$6,924/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$227,576/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,118
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,313
−HK$3,241/mo
Today · 4.125%
HK$125,554
baseline
▲ 0.50% · 4.625%
HK$132,172
+HK$6,618/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$251,108/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,488
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,485
−HK$4,060/mo
Today · 4.125%
HK$136,545
baseline
▲ 0.50% · 4.625%
HK$144,854
+HK$8,309/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$273,090/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,942
−HK$7,722/mo
▼ 0.25% · 3.875%
HK$146,775
−HK$3,889/mo
Today · 4.125%
HK$150,664
baseline
▲ 0.50% · 4.625%
HK$158,606
+HK$7,942/mo
Deposit HK$18.78M · loan HK$28.17M · min. income ≈ HK$301,328/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,903
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$154,566
−HK$4,737/mo
Today · 4.125%
HK$159,303
baseline
▲ 0.50% · 4.625%
HK$168,996
+HK$9,693/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$318,606/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,765
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$171,238
−HK$4,537/mo
Today · 4.125%
HK$175,775
baseline
▲ 0.50% · 4.625%
HK$185,040
+HK$9,265/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$351,550/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,732
−HK$12,086/mo
▼ 0.25% · 3.875%
HK$198,727
−HK$6,091/mo
Today · 4.125%
HK$204,818
baseline
▲ 0.50% · 4.625%
HK$217,281
+HK$12,463/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$409,636/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,412
−HK$11,585/mo
▼ 0.25% · 3.875%
HK$220,163
−HK$5,834/mo
Today · 4.125%
HK$225,997
baseline
▲ 0.50% · 4.625%
HK$237,909
+HK$11,912/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$451,994/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,661 · Scale 2, in force from 26 Feb 2026)