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$105,129
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,399
−HK$3,323/mo
Today · 4.125%
HK$111,722
baseline
▲ 0.50% · 4.625%
HK$118,520
+HK$6,798/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$223,444/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,955
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,092
−HK$3,182/mo
Today · 4.125%
HK$123,274
baseline
▲ 0.50% · 4.625%
HK$129,772
+HK$6,498/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$246,548/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,155
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,079
−HK$3,987/mo
Today · 4.125%
HK$134,066
baseline
▲ 0.50% · 4.625%
HK$142,224
+HK$8,158/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$268,132/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,346
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,110
−HK$3,819/mo
Today · 4.125%
HK$147,929
baseline
▲ 0.50% · 4.625%
HK$155,726
+HK$7,797/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$295,858/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,181
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,759
−HK$4,651/mo
Today · 4.125%
HK$156,410
baseline
▲ 0.50% · 4.625%
HK$165,928
+HK$9,518/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$312,820/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,737
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,129
−HK$4,454/mo
Today · 4.125%
HK$172,583
baseline
▲ 0.50% · 4.625%
HK$181,681
+HK$9,098/mo
Deposit HK$13.83M · loan HK$32.27M · min. income ≈ HK$345,166/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,232
−HK$11,867/mo
▼ 0.25% · 3.875%
HK$195,119
−HK$5,980/mo
Today · 4.125%
HK$201,099
baseline
▲ 0.50% · 4.625%
HK$213,335
+HK$12,236/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$402,198/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,519
−HK$11,374/mo
▼ 0.25% · 3.875%
HK$216,165
−HK$5,728/mo
Today · 4.125%
HK$221,893
baseline
▲ 0.50% · 4.625%
HK$233,589
+HK$11,696/mo
Deposit HK$4.61M · loan HK$41.49M · min. income ≈ HK$443,786/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,425 · Scale 2, in force from 26 Feb 2026)