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$105,516
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,798
−HK$3,335/mo
Today · 4.125%
HK$112,133
baseline
▲ 0.50% · 4.625%
HK$118,956
+HK$6,823/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,266/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,386
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,534
−HK$3,194/mo
Today · 4.125%
HK$123,728
baseline
▲ 0.50% · 4.625%
HK$130,249
+HK$6,521/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,456/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,619
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,558
−HK$4,001/mo
Today · 4.125%
HK$134,559
baseline
▲ 0.50% · 4.625%
HK$142,747
+HK$8,188/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$269,118/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,863
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,641
−HK$3,832/mo
Today · 4.125%
HK$148,473
baseline
▲ 0.50% · 4.625%
HK$156,299
+HK$7,826/mo
Deposit HK$18.51M · loan HK$27.76M · min. income ≈ HK$296,946/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,723
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$152,318
−HK$4,668/mo
Today · 4.125%
HK$156,986
baseline
▲ 0.50% · 4.625%
HK$166,538
+HK$9,552/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$313,972/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,340
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,747
−HK$4,472/mo
Today · 4.125%
HK$173,219
baseline
▲ 0.50% · 4.625%
HK$182,349
+HK$9,130/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$346,438/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,929
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$195,837
−HK$6,002/mo
Today · 4.125%
HK$201,839
baseline
▲ 0.50% · 4.625%
HK$214,121
+HK$12,282/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$403,678/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,294
−HK$11,416/mo
▼ 0.25% · 3.875%
HK$216,961
−HK$5,749/mo
Today · 4.125%
HK$222,710
baseline
▲ 0.50% · 4.625%
HK$234,449
+HK$11,739/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$445,420/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,636 · Scale 2, in force from 26 Feb 2026)