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$106,190
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,493
−HK$3,356/mo
Today · 4.125%
HK$112,849
baseline
▲ 0.50% · 4.625%
HK$119,716
+HK$6,867/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$225,698/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,136
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$121,304
−HK$3,214/mo
Today · 4.125%
HK$124,518
baseline
▲ 0.50% · 4.625%
HK$131,082
+HK$6,564/mo
Deposit HK$23.28M · loan HK$23.28M · min. income ≈ HK$249,036/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,428
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,392
−HK$4,027/mo
Today · 4.125%
HK$135,419
baseline
▲ 0.50% · 4.625%
HK$143,659
+HK$8,240/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$270,838/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,763
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,565
−HK$3,857/mo
Today · 4.125%
HK$149,422
baseline
▲ 0.50% · 4.625%
HK$157,298
+HK$7,876/mo
Deposit HK$18.63M · loan HK$27.94M · min. income ≈ HK$298,844/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,667
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,291
−HK$4,698/mo
Today · 4.125%
HK$157,989
baseline
▲ 0.50% · 4.625%
HK$167,602
+HK$9,613/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$315,978/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,390
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$169,826
−HK$4,500/mo
Today · 4.125%
HK$174,326
baseline
▲ 0.50% · 4.625%
HK$183,514
+HK$9,188/mo
Deposit HK$13.97M · loan HK$32.60M · min. income ≈ HK$348,652/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,143
−HK$11,986/mo
▼ 0.25% · 3.875%
HK$197,088
−HK$6,041/mo
Today · 4.125%
HK$203,129
baseline
▲ 0.50% · 4.625%
HK$215,489
+HK$12,360/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$406,258/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,644
−HK$11,489/mo
▼ 0.25% · 3.875%
HK$218,347
−HK$5,786/mo
Today · 4.125%
HK$224,133
baseline
▲ 0.50% · 4.625%
HK$235,947
+HK$11,814/mo
Deposit HK$4.66M · loan HK$41.91M · min. income ≈ HK$448,266/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,204 · Scale 2, in force from 26 Feb 2026)