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$107,387
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,728
−HK$3,394/mo
Today · 4.125%
HK$114,122
baseline
▲ 0.50% · 4.625%
HK$121,066
+HK$6,944/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$228,244/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,467
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,671
−HK$3,251/mo
Today · 4.125%
HK$125,922
baseline
▲ 0.50% · 4.625%
HK$132,559
+HK$6,637/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$251,844/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,865
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$132,873
−HK$4,073/mo
Today · 4.125%
HK$136,946
baseline
▲ 0.50% · 4.625%
HK$145,279
+HK$8,333/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$273,892/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,361
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$147,206
−HK$3,900/mo
Today · 4.125%
HK$151,106
baseline
▲ 0.50% · 4.625%
HK$159,071
+HK$7,965/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$302,212/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,342
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$155,019
−HK$4,751/mo
Today · 4.125%
HK$159,770
baseline
▲ 0.50% · 4.625%
HK$169,492
+HK$9,722/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$319,540/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,254
−HK$9,037/mo
▼ 0.25% · 3.875%
HK$171,740
−HK$4,551/mo
Today · 4.125%
HK$176,291
baseline
▲ 0.50% · 4.625%
HK$185,583
+HK$9,292/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$352,582/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,297
−HK$12,122/mo
▼ 0.25% · 3.875%
HK$199,310
−HK$6,109/mo
Today · 4.125%
HK$205,419
baseline
▲ 0.50% · 4.625%
HK$217,918
+HK$12,499/mo
Deposit HK$4.71M · loan HK$42.39M · min. income ≈ HK$410,838/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,041
−HK$11,618/mo
▼ 0.25% · 3.875%
HK$220,809
−HK$5,850/mo
Today · 4.125%
HK$226,659
baseline
▲ 0.50% · 4.625%
HK$238,607
+HK$11,948/mo
Deposit HK$4.71M · loan HK$42.39M · min. income ≈ HK$453,318/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,001,515 · Scale 2, in force from 26 Feb 2026)