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$105,931
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,226
−HK$3,348/mo
Today · 4.125%
HK$112,574
baseline
▲ 0.50% · 4.625%
HK$119,424
+HK$6,850/mo
Deposit HK$23.23M · loan HK$23.23M · min. income ≈ HK$225,148/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,848
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,008
−HK$3,207/mo
Today · 4.125%
HK$124,215
baseline
▲ 0.50% · 4.625%
HK$130,762
+HK$6,547/mo
Deposit HK$23.23M · loan HK$23.23M · min. income ≈ HK$248,430/mo (50% DSR)
Upfront cash ≈ HK$25.20M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,118
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,072
−HK$4,017/mo
Today · 4.125%
HK$135,089
baseline
▲ 0.50% · 4.625%
HK$143,309
+HK$8,220/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$270,178/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,417
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$145,210
−HK$3,848/mo
Today · 4.125%
HK$149,058
baseline
▲ 0.50% · 4.625%
HK$156,915
+HK$7,857/mo
Deposit HK$18.58M · loan HK$27.87M · min. income ≈ HK$298,116/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,304
−HK$9,300/mo
▼ 0.25% · 3.875%
HK$152,917
−HK$4,687/mo
Today · 4.125%
HK$157,604
baseline
▲ 0.50% · 4.625%
HK$167,194
+HK$9,590/mo
Deposit HK$13.94M · loan HK$32.52M · min. income ≈ HK$315,208/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,987
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,412
−HK$4,488/mo
Today · 4.125%
HK$173,900
baseline
▲ 0.50% · 4.625%
HK$183,067
+HK$9,167/mo
Deposit HK$13.94M · loan HK$32.52M · min. income ≈ HK$347,800/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,677
−HK$11,957/mo
▼ 0.25% · 3.875%
HK$196,608
−HK$6,026/mo
Today · 4.125%
HK$202,634
baseline
▲ 0.50% · 4.625%
HK$214,963
+HK$12,329/mo
Deposit HK$4.65M · loan HK$41.81M · min. income ≈ HK$405,268/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,126
−HK$11,460/mo
▼ 0.25% · 3.875%
HK$217,815
−HK$5,771/mo
Today · 4.125%
HK$223,586
baseline
▲ 0.50% · 4.625%
HK$235,372
+HK$11,786/mo
Deposit HK$4.65M · loan HK$41.81M · min. income ≈ HK$447,172/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,974,377 · Scale 2, in force from 26 Feb 2026)