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$106,408
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,718
−HK$3,362/mo
Today · 4.125%
HK$113,080
baseline
▲ 0.50% · 4.625%
HK$119,961
+HK$6,881/mo
Deposit HK$23.33M · loan HK$23.33M · min. income ≈ HK$226,160/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,378
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,552
−HK$3,221/mo
Today · 4.125%
HK$124,773
baseline
▲ 0.50% · 4.625%
HK$131,350
+HK$6,577/mo
Deposit HK$23.33M · loan HK$23.33M · min. income ≈ HK$249,546/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,689
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,661
−HK$4,036/mo
Today · 4.125%
HK$135,697
baseline
▲ 0.50% · 4.625%
HK$143,953
+HK$8,256/mo
Deposit HK$18.67M · loan HK$28.00M · min. income ≈ HK$271,394/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,053
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,863
−HK$3,865/mo
Today · 4.125%
HK$149,728
baseline
▲ 0.50% · 4.625%
HK$157,620
+HK$7,892/mo
Deposit HK$18.67M · loan HK$28.00M · min. income ≈ HK$299,456/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,971
−HK$9,342/mo
▼ 0.25% · 3.875%
HK$153,605
−HK$4,708/mo
Today · 4.125%
HK$158,313
baseline
▲ 0.50% · 4.625%
HK$167,946
+HK$9,633/mo
Deposit HK$14.00M · loan HK$32.67M · min. income ≈ HK$316,626/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,729
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$170,173
−HK$4,509/mo
Today · 4.125%
HK$174,682
baseline
▲ 0.50% · 4.625%
HK$183,890
+HK$9,208/mo
Deposit HK$14.00M · loan HK$32.67M · min. income ≈ HK$349,364/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,534
−HK$12,011/mo
▼ 0.25% · 3.875%
HK$197,492
−HK$6,053/mo
Today · 4.125%
HK$203,545
baseline
▲ 0.50% · 4.625%
HK$215,930
+HK$12,385/mo
Deposit HK$4.67M · loan HK$42.00M · min. income ≈ HK$407,090/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,080
−HK$11,512/mo
▼ 0.25% · 3.875%
HK$218,794
−HK$5,798/mo
Today · 4.125%
HK$224,592
baseline
▲ 0.50% · 4.625%
HK$236,430
+HK$11,838/mo
Deposit HK$4.67M · loan HK$42.00M · min. income ≈ HK$449,184/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,255 · Scale 2, in force from 26 Feb 2026)