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$105,561
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,845
−HK$3,336/mo
Today · 4.125%
HK$112,181
baseline
▲ 0.50% · 4.625%
HK$119,007
+HK$6,826/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,362/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,436
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,585
−HK$3,195/mo
Today · 4.125%
HK$123,780
baseline
▲ 0.50% · 4.625%
HK$130,305
+HK$6,525/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,560/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,673
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,614
−HK$4,003/mo
Today · 4.125%
HK$134,617
baseline
▲ 0.50% · 4.625%
HK$142,808
+HK$8,191/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,234/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,923
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,702
−HK$3,834/mo
Today · 4.125%
HK$148,536
baseline
▲ 0.50% · 4.625%
HK$156,366
+HK$7,830/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,072/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,786
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$152,383
−HK$4,670/mo
Today · 4.125%
HK$157,053
baseline
▲ 0.50% · 4.625%
HK$166,609
+HK$9,556/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,106/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,410
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$168,819
−HK$4,473/mo
Today · 4.125%
HK$173,292
baseline
▲ 0.50% · 4.625%
HK$182,427
+HK$9,135/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,584/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,010
−HK$11,915/mo
▼ 0.25% · 3.875%
HK$195,920
−HK$6,005/mo
Today · 4.125%
HK$201,925
baseline
▲ 0.50% · 4.625%
HK$214,212
+HK$12,287/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$403,850/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,384
−HK$11,421/mo
▼ 0.25% · 3.875%
HK$217,053
−HK$5,752/mo
Today · 4.125%
HK$222,805
baseline
▲ 0.50% · 4.625%
HK$234,549
+HK$11,744/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$445,610/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,475 · Scale 2, in force from 26 Feb 2026)