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$106,269
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,575
−HK$3,358/mo
Today · 4.125%
HK$112,933
baseline
▲ 0.50% · 4.625%
HK$119,805
+HK$6,872/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$225,866/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,223
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,394
−HK$3,216/mo
Today · 4.125%
HK$124,610
baseline
▲ 0.50% · 4.625%
HK$131,179
+HK$6,569/mo
Deposit HK$23.30M · loan HK$23.30M · min. income ≈ HK$249,220/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,523
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,489
−HK$4,031/mo
Today · 4.125%
HK$135,520
baseline
▲ 0.50% · 4.625%
HK$143,766
+HK$8,246/mo
Deposit HK$18.64M · loan HK$27.96M · min. income ≈ HK$271,040/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,868
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,673
−HK$3,860/mo
Today · 4.125%
HK$149,533
baseline
▲ 0.50% · 4.625%
HK$157,415
+HK$7,882/mo
Deposit HK$18.64M · loan HK$27.96M · min. income ≈ HK$299,066/mo (50% DSR)
Upfront cash ≈ HK$20.62M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,777
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,404
−HK$4,702/mo
Today · 4.125%
HK$158,106
baseline
▲ 0.50% · 4.625%
HK$167,727
+HK$9,621/mo
Deposit HK$13.98M · loan HK$32.62M · min. income ≈ HK$316,212/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,512
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,951
−HK$4,504/mo
Today · 4.125%
HK$174,455
baseline
▲ 0.50% · 4.625%
HK$183,650
+HK$9,195/mo
Deposit HK$13.98M · loan HK$32.62M · min. income ≈ HK$348,910/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,284
−HK$11,995/mo
▼ 0.25% · 3.875%
HK$197,234
−HK$6,045/mo
Today · 4.125%
HK$203,279
baseline
▲ 0.50% · 4.625%
HK$215,648
+HK$12,369/mo
Deposit HK$4.66M · loan HK$41.94M · min. income ≈ HK$406,558/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,802
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$218,509
−HK$5,790/mo
Today · 4.125%
HK$224,299
baseline
▲ 0.50% · 4.625%
HK$236,122
+HK$11,823/mo
Deposit HK$4.66M · loan HK$41.94M · min. income ≈ HK$448,598/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,980,669 · Scale 2, in force from 26 Feb 2026)