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$105,332
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,608
−HK$3,329/mo
Today · 4.125%
HK$111,937
baseline
▲ 0.50% · 4.625%
HK$118,748
+HK$6,811/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,874/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,181
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,323
−HK$3,188/mo
Today · 4.125%
HK$123,511
baseline
▲ 0.50% · 4.625%
HK$130,022
+HK$6,511/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,022/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,398
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,330
−HK$3,994/mo
Today · 4.125%
HK$134,324
baseline
▲ 0.50% · 4.625%
HK$142,498
+HK$8,174/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,648/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,617
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,388
−HK$3,826/mo
Today · 4.125%
HK$148,214
baseline
▲ 0.50% · 4.625%
HK$156,026
+HK$7,812/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,428/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,465
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,052
−HK$4,660/mo
Today · 4.125%
HK$156,712
baseline
▲ 0.50% · 4.625%
HK$166,247
+HK$9,535/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,424/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,053
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,453
−HK$4,463/mo
Today · 4.125%
HK$172,916
baseline
▲ 0.50% · 4.625%
HK$182,031
+HK$9,115/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,832/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,597
−HK$11,890/mo
▼ 0.25% · 3.875%
HK$195,495
−HK$5,992/mo
Today · 4.125%
HK$201,487
baseline
▲ 0.50% · 4.625%
HK$213,747
+HK$12,260/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,974/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,925
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$216,582
−HK$5,739/mo
Today · 4.125%
HK$222,321
baseline
▲ 0.50% · 4.625%
HK$234,040
+HK$11,719/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,642/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,202 · Scale 2, in force from 26 Feb 2026)