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$105,191
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,463
−HK$3,325/mo
Today · 4.125%
HK$111,788
baseline
▲ 0.50% · 4.625%
HK$118,590
+HK$6,802/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,576/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,024
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,163
−HK$3,183/mo
Today · 4.125%
HK$123,346
baseline
▲ 0.50% · 4.625%
HK$129,848
+HK$6,502/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,692/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,229
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,156
−HK$3,989/mo
Today · 4.125%
HK$134,145
baseline
▲ 0.50% · 4.625%
HK$142,307
+HK$8,162/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,290/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,429
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,195
−HK$3,821/mo
Today · 4.125%
HK$148,016
baseline
▲ 0.50% · 4.625%
HK$155,818
+HK$7,802/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$296,032/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,268
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,848
−HK$4,655/mo
Today · 4.125%
HK$156,503
baseline
▲ 0.50% · 4.625%
HK$166,025
+HK$9,522/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$313,006/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,834
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$168,228
−HK$4,457/mo
Today · 4.125%
HK$172,685
baseline
▲ 0.50% · 4.625%
HK$181,788
+HK$9,103/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,370/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,344
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$195,234
−HK$5,984/mo
Today · 4.125%
HK$201,218
baseline
▲ 0.50% · 4.625%
HK$213,461
+HK$12,243/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$402,436/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,643
−HK$11,381/mo
▼ 0.25% · 3.875%
HK$216,293
−HK$5,731/mo
Today · 4.125%
HK$222,024
baseline
▲ 0.50% · 4.625%
HK$233,727
+HK$11,703/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$444,048/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,579 · Scale 2, in force from 26 Feb 2026)