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$106,672
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,990
−HK$3,371/mo
Today · 4.125%
HK$113,361
baseline
▲ 0.50% · 4.625%
HK$120,259
+HK$6,898/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$226,722/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,671
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,854
−HK$3,229/mo
Today · 4.125%
HK$125,083
baseline
▲ 0.50% · 4.625%
HK$131,676
+HK$6,593/mo
Deposit HK$23.39M · loan HK$23.39M · min. income ≈ HK$250,166/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,006
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,988
−HK$4,045/mo
Today · 4.125%
HK$136,033
baseline
▲ 0.50% · 4.625%
HK$144,311
+HK$8,278/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$272,066/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,406
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,225
−HK$3,874/mo
Today · 4.125%
HK$150,099
baseline
▲ 0.50% · 4.625%
HK$158,011
+HK$7,912/mo
Deposit HK$18.71M · loan HK$28.07M · min. income ≈ HK$300,198/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,341
−HK$9,365/mo
▼ 0.25% · 3.875%
HK$153,986
−HK$4,720/mo
Today · 4.125%
HK$158,706
baseline
▲ 0.50% · 4.625%
HK$168,362
+HK$9,656/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$317,412/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,140
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$170,596
−HK$4,520/mo
Today · 4.125%
HK$175,116
baseline
▲ 0.50% · 4.625%
HK$184,347
+HK$9,231/mo
Deposit HK$14.03M · loan HK$32.75M · min. income ≈ HK$350,232/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,009
−HK$12,041/mo
▼ 0.25% · 3.875%
HK$197,982
−HK$6,068/mo
Today · 4.125%
HK$204,050
baseline
▲ 0.50% · 4.625%
HK$216,466
+HK$12,416/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$408,100/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,609
−HK$11,540/mo
▼ 0.25% · 3.875%
HK$219,337
−HK$5,812/mo
Today · 4.125%
HK$225,149
baseline
▲ 0.50% · 4.625%
HK$237,017
+HK$11,868/mo
Deposit HK$4.68M · loan HK$42.10M · min. income ≈ HK$450,298/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,179 · Scale 2, in force from 26 Feb 2026)