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$107,300
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,637
−HK$3,391/mo
Today · 4.125%
HK$114,028
baseline
▲ 0.50% · 4.625%
HK$120,967
+HK$6,939/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$228,056/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,370
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,571
−HK$3,248/mo
Today · 4.125%
HK$125,819
baseline
▲ 0.50% · 4.625%
HK$132,451
+HK$6,632/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$251,638/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,760
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,765
−HK$4,069/mo
Today · 4.125%
HK$136,834
baseline
▲ 0.50% · 4.625%
HK$145,160
+HK$8,326/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$273,668/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,244
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,086
−HK$3,897/mo
Today · 4.125%
HK$150,983
baseline
▲ 0.50% · 4.625%
HK$158,941
+HK$7,958/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$301,966/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,220
−HK$9,420/mo
▼ 0.25% · 3.875%
HK$154,892
−HK$4,748/mo
Today · 4.125%
HK$159,640
baseline
▲ 0.50% · 4.625%
HK$169,353
+HK$9,713/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$319,280/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,118
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$171,600
−HK$4,547/mo
Today · 4.125%
HK$176,147
baseline
▲ 0.50% · 4.625%
HK$185,432
+HK$9,285/mo
Deposit HK$14.12M · loan HK$32.94M · min. income ≈ HK$352,294/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,140
−HK$12,111/mo
▼ 0.25% · 3.875%
HK$199,147
−HK$6,104/mo
Today · 4.125%
HK$205,251
baseline
▲ 0.50% · 4.625%
HK$217,740
+HK$12,489/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$410,502/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,866
−HK$11,608/mo
▼ 0.25% · 3.875%
HK$220,628
−HK$5,846/mo
Today · 4.125%
HK$226,474
baseline
▲ 0.50% · 4.625%
HK$238,412
+HK$11,938/mo
Deposit HK$4.71M · loan HK$42.35M · min. income ≈ HK$452,948/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$1,999,881 · Scale 2, in force from 26 Feb 2026)