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$106,441
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,752
−HK$3,363/mo
Today · 4.125%
HK$113,115
baseline
▲ 0.50% · 4.625%
HK$119,998
+HK$6,883/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$226,230/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,414
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,590
−HK$3,222/mo
Today · 4.125%
HK$124,812
baseline
▲ 0.50% · 4.625%
HK$131,391
+HK$6,579/mo
Deposit HK$23.34M · loan HK$23.34M · min. income ≈ HK$249,624/mo (50% DSR)
Upfront cash ≈ HK$25.32M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,729
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,702
−HK$4,037/mo
Today · 4.125%
HK$135,739
baseline
▲ 0.50% · 4.625%
HK$143,998
+HK$8,259/mo
Deposit HK$18.67M · loan HK$28.01M · min. income ≈ HK$271,478/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,097
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,908
−HK$3,866/mo
Today · 4.125%
HK$149,774
baseline
▲ 0.50% · 4.625%
HK$157,669
+HK$7,895/mo
Deposit HK$18.67M · loan HK$28.01M · min. income ≈ HK$299,548/mo (50% DSR)
Upfront cash ≈ HK$20.66M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,017
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$153,652
−HK$4,710/mo
Today · 4.125%
HK$158,362
baseline
▲ 0.50% · 4.625%
HK$167,998
+HK$9,636/mo
Deposit HK$14.00M · loan HK$32.68M · min. income ≈ HK$316,724/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,780
−HK$8,956/mo
▼ 0.25% · 3.875%
HK$170,226
−HK$4,510/mo
Today · 4.125%
HK$174,736
baseline
▲ 0.50% · 4.625%
HK$183,947
+HK$9,211/mo
Deposit HK$14.00M · loan HK$32.68M · min. income ≈ HK$349,472/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,593
−HK$12,015/mo
▼ 0.25% · 3.875%
HK$197,553
−HK$6,055/mo
Today · 4.125%
HK$203,608
baseline
▲ 0.50% · 4.625%
HK$215,997
+HK$12,389/mo
Deposit HK$4.67M · loan HK$42.01M · min. income ≈ HK$407,216/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,146
−HK$11,515/mo
▼ 0.25% · 3.875%
HK$218,862
−HK$5,799/mo
Today · 4.125%
HK$224,661
baseline
▲ 0.50% · 4.625%
HK$236,503
+HK$11,842/mo
Deposit HK$4.67M · loan HK$42.01M · min. income ≈ HK$449,322/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,983,870 · Scale 2, in force from 26 Feb 2026)