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$105,860
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,153
−HK$3,345/mo
Today · 4.125%
HK$112,498
baseline
▲ 0.50% · 4.625%
HK$119,343
+HK$6,845/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,996/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,768
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,926
−HK$3,204/mo
Today · 4.125%
HK$124,130
baseline
▲ 0.50% · 4.625%
HK$130,674
+HK$6,544/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,260/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,032
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,983
−HK$4,015/mo
Today · 4.125%
HK$134,998
baseline
▲ 0.50% · 4.625%
HK$143,212
+HK$8,214/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,996/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,321
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,112
−HK$3,845/mo
Today · 4.125%
HK$148,957
baseline
▲ 0.50% · 4.625%
HK$156,808
+HK$7,851/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,914/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,204
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,814
−HK$4,683/mo
Today · 4.125%
HK$157,497
baseline
▲ 0.50% · 4.625%
HK$167,081
+HK$9,584/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$314,994/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,875
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,297
−HK$4,486/mo
Today · 4.125%
HK$173,783
baseline
▲ 0.50% · 4.625%
HK$182,943
+HK$9,160/mo
Deposit HK$13.93M · loan HK$32.50M · min. income ≈ HK$347,566/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,547
−HK$11,949/mo
▼ 0.25% · 3.875%
HK$196,475
−HK$6,021/mo
Today · 4.125%
HK$202,496
baseline
▲ 0.50% · 4.625%
HK$214,818
+HK$12,322/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$404,992/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,982
−HK$11,453/mo
▼ 0.25% · 3.875%
HK$217,667
−HK$5,768/mo
Today · 4.125%
HK$223,435
baseline
▲ 0.50% · 4.625%
HK$235,212
+HK$11,777/mo
Deposit HK$4.64M · loan HK$41.78M · min. income ≈ HK$446,870/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$1,973,041 · Scale 2, in force from 26 Feb 2026)