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$106,923
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,249
−HK$3,379/mo
Today · 4.125%
HK$113,628
baseline
▲ 0.50% · 4.625%
HK$120,542
+HK$6,914/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$227,256/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,951
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,141
−HK$3,236/mo
Today · 4.125%
HK$125,377
baseline
▲ 0.50% · 4.625%
HK$131,986
+HK$6,609/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$250,754/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,308
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,299
−HK$4,055/mo
Today · 4.125%
HK$136,354
baseline
▲ 0.50% · 4.625%
HK$144,651
+HK$8,297/mo
Deposit HK$18.76M · loan HK$28.13M · min. income ≈ HK$272,708/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,741
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,569
−HK$3,884/mo
Today · 4.125%
HK$150,453
baseline
▲ 0.50% · 4.625%
HK$158,384
+HK$7,931/mo
Deposit HK$18.76M · loan HK$28.13M · min. income ≈ HK$300,906/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,692
−HK$9,387/mo
▼ 0.25% · 3.875%
HK$154,349
−HK$4,730/mo
Today · 4.125%
HK$159,079
baseline
▲ 0.50% · 4.625%
HK$168,759
+HK$9,680/mo
Deposit HK$14.07M · loan HK$32.82M · min. income ≈ HK$318,158/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,531
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$170,998
−HK$4,530/mo
Today · 4.125%
HK$175,528
baseline
▲ 0.50% · 4.625%
HK$184,781
+HK$9,253/mo
Deposit HK$14.07M · loan HK$32.82M · min. income ≈ HK$351,056/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,462
−HK$12,069/mo
▼ 0.25% · 3.875%
HK$198,448
−HK$6,083/mo
Today · 4.125%
HK$204,531
baseline
▲ 0.50% · 4.625%
HK$216,976
+HK$12,445/mo
Deposit HK$4.69M · loan HK$42.20M · min. income ≈ HK$409,062/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,112
−HK$11,567/mo
▼ 0.25% · 3.875%
HK$219,854
−HK$5,825/mo
Today · 4.125%
HK$225,679
baseline
▲ 0.50% · 4.625%
HK$237,575
+HK$11,896/mo
Deposit HK$4.69M · loan HK$42.20M · min. income ≈ HK$451,358/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,861 · Scale 2, in force from 26 Feb 2026)