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$107,126
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,458
−HK$3,386/mo
Today · 4.125%
HK$113,844
baseline
▲ 0.50% · 4.625%
HK$120,771
+HK$6,927/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$227,688/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,176
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,373
−HK$3,242/mo
Today · 4.125%
HK$125,615
baseline
▲ 0.50% · 4.625%
HK$132,237
+HK$6,622/mo
Deposit HK$23.49M · loan HK$23.49M · min. income ≈ HK$251,230/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,551
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$132,550
−HK$4,062/mo
Today · 4.125%
HK$136,612
baseline
▲ 0.50% · 4.625%
HK$144,925
+HK$8,313/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$273,224/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,012
−HK$7,726/mo
▼ 0.25% · 3.875%
HK$146,847
−HK$3,891/mo
Today · 4.125%
HK$150,738
baseline
▲ 0.50% · 4.625%
HK$158,684
+HK$7,946/mo
Deposit HK$18.79M · loan HK$28.19M · min. income ≈ HK$301,476/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,976
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$154,641
−HK$4,740/mo
Today · 4.125%
HK$159,381
baseline
▲ 0.50% · 4.625%
HK$169,079
+HK$9,698/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$318,762/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,847
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,322
−HK$4,539/mo
Today · 4.125%
HK$175,861
baseline
▲ 0.50% · 4.625%
HK$185,131
+HK$9,270/mo
Deposit HK$14.09M · loan HK$32.89M · min. income ≈ HK$351,722/mo (50% DSR)
Upfront cash ≈ HK$16.09M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,827
−HK$12,091/mo
▼ 0.25% · 3.875%
HK$198,825
−HK$6,093/mo
Today · 4.125%
HK$204,918
baseline
▲ 0.50% · 4.625%
HK$217,387
+HK$12,469/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$409,836/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,518
−HK$11,589/mo
▼ 0.25% · 3.875%
HK$220,271
−HK$5,836/mo
Today · 4.125%
HK$226,107
baseline
▲ 0.50% · 4.625%
HK$238,026
+HK$11,919/mo
Deposit HK$4.70M · loan HK$42.28M · min. income ≈ HK$452,214/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,996,639 · Scale 2, in force from 26 Feb 2026)