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$106,563
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,878
−HK$3,368/mo
Today · 4.125%
HK$113,246
baseline
▲ 0.50% · 4.625%
HK$120,136
+HK$6,890/mo
Deposit HK$23.37M · loan HK$23.37M · min. income ≈ HK$226,492/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,550
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,730
−HK$3,225/mo
Today · 4.125%
HK$124,955
baseline
▲ 0.50% · 4.625%
HK$131,542
+HK$6,587/mo
Deposit HK$23.37M · loan HK$23.37M · min. income ≈ HK$249,910/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,876
−HK$8,019/mo
▼ 0.25% · 3.875%
HK$131,854
−HK$4,041/mo
Today · 4.125%
HK$135,895
baseline
▲ 0.50% · 4.625%
HK$144,164
+HK$8,269/mo
Deposit HK$18.69M · loan HK$28.04M · min. income ≈ HK$271,790/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,261
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,076
−HK$3,870/mo
Today · 4.125%
HK$149,946
baseline
▲ 0.50% · 4.625%
HK$157,850
+HK$7,904/mo
Deposit HK$18.69M · loan HK$28.04M · min. income ≈ HK$299,892/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,188
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$153,829
−HK$4,715/mo
Today · 4.125%
HK$158,544
baseline
▲ 0.50% · 4.625%
HK$168,191
+HK$9,647/mo
Deposit HK$14.02M · loan HK$32.71M · min. income ≈ HK$317,088/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,971
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$170,422
−HK$4,516/mo
Today · 4.125%
HK$174,938
baseline
▲ 0.50% · 4.625%
HK$184,159
+HK$9,221/mo
Deposit HK$14.02M · loan HK$32.71M · min. income ≈ HK$349,876/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,814
−HK$12,028/mo
▼ 0.25% · 3.875%
HK$197,780
−HK$6,062/mo
Today · 4.125%
HK$203,842
baseline
▲ 0.50% · 4.625%
HK$216,246
+HK$12,404/mo
Deposit HK$4.67M · loan HK$42.06M · min. income ≈ HK$407,684/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,391
−HK$11,529/mo
▼ 0.25% · 3.875%
HK$219,114
−HK$5,806/mo
Today · 4.125%
HK$224,920
baseline
▲ 0.50% · 4.625%
HK$236,776
+HK$11,856/mo
Deposit HK$4.67M · loan HK$42.06M · min. income ≈ HK$449,840/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$1,986,153 · Scale 2, in force from 26 Feb 2026)