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$107,288
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,625
−HK$3,391/mo
Today · 4.125%
HK$114,016
baseline
▲ 0.50% · 4.625%
HK$120,954
+HK$6,938/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$228,032/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,357
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,558
−HK$3,247/mo
Today · 4.125%
HK$125,805
baseline
▲ 0.50% · 4.625%
HK$132,437
+HK$6,632/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$251,610/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,746
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$132,750
−HK$4,069/mo
Today · 4.125%
HK$136,819
baseline
▲ 0.50% · 4.625%
HK$145,144
+HK$8,325/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$273,638/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,228
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,070
−HK$3,897/mo
Today · 4.125%
HK$150,967
baseline
▲ 0.50% · 4.625%
HK$158,924
+HK$7,957/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$301,934/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,203
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$154,876
−HK$4,746/mo
Today · 4.125%
HK$159,622
baseline
▲ 0.50% · 4.625%
HK$169,335
+HK$9,713/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$319,244/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,100
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$171,581
−HK$4,547/mo
Today · 4.125%
HK$176,128
baseline
▲ 0.50% · 4.625%
HK$185,412
+HK$9,284/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$352,256/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,119
−HK$12,110/mo
▼ 0.25% · 3.875%
HK$199,126
−HK$6,103/mo
Today · 4.125%
HK$205,229
baseline
▲ 0.50% · 4.625%
HK$217,717
+HK$12,488/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$410,458/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,843
−HK$11,607/mo
▼ 0.25% · 3.875%
HK$220,604
−HK$5,846/mo
Today · 4.125%
HK$226,450
baseline
▲ 0.50% · 4.625%
HK$238,386
+HK$11,936/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$452,900/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,999,664 · Scale 2, in force from 26 Feb 2026)