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$106,268
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,574
−HK$3,358/mo
Today · 4.125%
HK$112,932
baseline
▲ 0.50% · 4.625%
HK$119,804
+HK$6,872/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$225,864/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,222
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,393
−HK$3,216/mo
Today · 4.125%
HK$124,609
baseline
▲ 0.50% · 4.625%
HK$131,178
+HK$6,569/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$249,218/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,522
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,488
−HK$4,031/mo
Today · 4.125%
HK$135,519
baseline
▲ 0.50% · 4.625%
HK$143,765
+HK$8,246/mo
Deposit HK$18.64M · loan HK$27.96M · min. income ≈ HK$271,038/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,867
−HK$7,664/mo
▼ 0.25% · 3.875%
HK$145,672
−HK$3,859/mo
Today · 4.125%
HK$149,531
baseline
▲ 0.50% · 4.625%
HK$157,413
+HK$7,882/mo
Deposit HK$18.64M · loan HK$27.96M · min. income ≈ HK$299,062/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,775
−HK$9,330/mo
▼ 0.25% · 3.875%
HK$153,403
−HK$4,702/mo
Today · 4.125%
HK$158,105
baseline
▲ 0.50% · 4.625%
HK$167,725
+HK$9,620/mo
Deposit HK$13.98M · loan HK$32.62M · min. income ≈ HK$316,210/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,511
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,950
−HK$4,503/mo
Today · 4.125%
HK$174,453
baseline
▲ 0.50% · 4.625%
HK$183,649
+HK$9,196/mo
Deposit HK$13.98M · loan HK$32.62M · min. income ≈ HK$348,906/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,283
−HK$11,995/mo
▼ 0.25% · 3.875%
HK$197,233
−HK$6,045/mo
Today · 4.125%
HK$203,278
baseline
▲ 0.50% · 4.625%
HK$215,647
+HK$12,369/mo
Deposit HK$4.66M · loan HK$41.94M · min. income ≈ HK$406,556/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,800
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$218,507
−HK$5,790/mo
Today · 4.125%
HK$224,297
baseline
▲ 0.50% · 4.625%
HK$236,120
+HK$11,823/mo
Deposit HK$4.66M · loan HK$41.94M · min. income ≈ HK$448,594/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,654 · Scale 2, in force from 26 Feb 2026)