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$105,226
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$108,499
−HK$3,326/mo
Today · 4.125%
HK$111,825
baseline
▲ 0.50% · 4.625%
HK$118,629
+HK$6,804/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,650/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,063
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,202
−HK$3,185/mo
Today · 4.125%
HK$123,387
baseline
▲ 0.50% · 4.625%
HK$129,891
+HK$6,504/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,774/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,271
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,199
−HK$3,991/mo
Today · 4.125%
HK$134,190
baseline
▲ 0.50% · 4.625%
HK$142,355
+HK$8,165/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$268,380/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,475
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,243
−HK$3,822/mo
Today · 4.125%
HK$148,065
baseline
▲ 0.50% · 4.625%
HK$155,870
+HK$7,805/mo
Deposit HK$18.46M · loan HK$27.69M · min. income ≈ HK$296,130/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,316
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$151,899
−HK$4,655/mo
Today · 4.125%
HK$156,554
baseline
▲ 0.50% · 4.625%
HK$166,080
+HK$9,526/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$313,108/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,888
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$168,283
−HK$4,459/mo
Today · 4.125%
HK$172,742
baseline
▲ 0.50% · 4.625%
HK$181,848
+HK$9,106/mo
Deposit HK$13.84M · loan HK$32.30M · min. income ≈ HK$345,484/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,407
−HK$11,877/mo
▼ 0.25% · 3.875%
HK$195,298
−HK$5,986/mo
Today · 4.125%
HK$201,284
baseline
▲ 0.50% · 4.625%
HK$213,532
+HK$12,248/mo
Deposit HK$4.61M · loan HK$41.53M · min. income ≈ HK$402,568/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,713
−HK$11,384/mo
▼ 0.25% · 3.875%
HK$216,364
−HK$5,733/mo
Today · 4.125%
HK$222,097
baseline
▲ 0.50% · 4.625%
HK$233,804
+HK$11,707/mo
Deposit HK$4.61M · loan HK$41.53M · min. income ≈ HK$444,194/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,229 · Scale 2, in force from 26 Feb 2026)