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$105,022
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,289
−HK$3,319/mo
Today · 4.125%
HK$111,608
baseline
▲ 0.50% · 4.625%
HK$118,399
+HK$6,791/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,216/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,836
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,970
−HK$3,179/mo
Today · 4.125%
HK$123,149
baseline
▲ 0.50% · 4.625%
HK$129,640
+HK$6,491/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,298/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,027
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,947
−HK$3,983/mo
Today · 4.125%
HK$133,930
baseline
▲ 0.50% · 4.625%
HK$142,079
+HK$8,149/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,860/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,203
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,964
−HK$3,814/mo
Today · 4.125%
HK$147,778
baseline
▲ 0.50% · 4.625%
HK$155,568
+HK$7,790/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,556/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,031
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$151,605
−HK$4,646/mo
Today · 4.125%
HK$156,251
baseline
▲ 0.50% · 4.625%
HK$165,759
+HK$9,508/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,502/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,571
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,958
−HK$4,450/mo
Today · 4.125%
HK$172,408
baseline
▲ 0.50% · 4.625%
HK$181,496
+HK$9,088/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,816/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,040
−HK$11,855/mo
▼ 0.25% · 3.875%
HK$194,920
−HK$5,975/mo
Today · 4.125%
HK$200,895
baseline
▲ 0.50% · 4.625%
HK$213,119
+HK$12,224/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$401,790/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,305
−HK$11,362/mo
▼ 0.25% · 3.875%
HK$215,946
−HK$5,721/mo
Today · 4.125%
HK$221,667
baseline
▲ 0.50% · 4.625%
HK$233,352
+HK$11,685/mo
Deposit HK$4.61M · loan HK$41.45M · min. income ≈ HK$443,334/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,433 · Scale 2, in force from 26 Feb 2026)