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$106,224
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,529
−HK$3,357/mo
Today · 4.125%
HK$112,886
baseline
▲ 0.50% · 4.625%
HK$119,755
+HK$6,869/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$225,772/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,174
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,343
−HK$3,215/mo
Today · 4.125%
HK$124,558
baseline
▲ 0.50% · 4.625%
HK$131,124
+HK$6,566/mo
Deposit HK$23.29M · loan HK$23.29M · min. income ≈ HK$249,116/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,469
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,434
−HK$4,029/mo
Today · 4.125%
HK$135,463
baseline
▲ 0.50% · 4.625%
HK$143,705
+HK$8,242/mo
Deposit HK$18.63M · loan HK$27.95M · min. income ≈ HK$270,926/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,808
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,612
−HK$3,858/mo
Today · 4.125%
HK$149,470
baseline
▲ 0.50% · 4.625%
HK$157,349
+HK$7,879/mo
Deposit HK$18.63M · loan HK$27.95M · min. income ≈ HK$298,940/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,714
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$153,340
−HK$4,700/mo
Today · 4.125%
HK$158,040
baseline
▲ 0.50% · 4.625%
HK$167,656
+HK$9,616/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$316,080/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,443
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,880
−HK$4,502/mo
Today · 4.125%
HK$174,382
baseline
▲ 0.50% · 4.625%
HK$183,573
+HK$9,191/mo
Deposit HK$13.98M · loan HK$32.61M · min. income ≈ HK$348,764/mo (50% DSR)
Upfront cash ≈ HK$15.96M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,204
−HK$11,990/mo
▼ 0.25% · 3.875%
HK$197,152
−HK$6,042/mo
Today · 4.125%
HK$203,194
baseline
▲ 0.50% · 4.625%
HK$215,558
+HK$12,364/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$406,388/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,713
−HK$11,492/mo
▼ 0.25% · 3.875%
HK$218,417
−HK$5,788/mo
Today · 4.125%
HK$224,205
baseline
▲ 0.50% · 4.625%
HK$236,023
+HK$11,818/mo
Deposit HK$4.66M · loan HK$41.93M · min. income ≈ HK$448,410/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$1,979,840 · Scale 2, in force from 26 Feb 2026)