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$105,812
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,103
−HK$3,344/mo
Today · 4.125%
HK$112,447
baseline
▲ 0.50% · 4.625%
HK$119,289
+HK$6,842/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$224,894/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,714
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,871
−HK$3,203/mo
Today · 4.125%
HK$124,074
baseline
▲ 0.50% · 4.625%
HK$130,614
+HK$6,540/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$248,148/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,974
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,924
−HK$4,012/mo
Today · 4.125%
HK$134,936
baseline
▲ 0.50% · 4.625%
HK$143,147
+HK$8,211/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$269,872/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,257
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,046
−HK$3,843/mo
Today · 4.125%
HK$148,889
baseline
▲ 0.50% · 4.625%
HK$156,737
+HK$7,848/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$297,778/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,136
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$152,744
−HK$4,682/mo
Today · 4.125%
HK$157,426
baseline
▲ 0.50% · 4.625%
HK$167,005
+HK$9,579/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$314,852/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,800
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$169,220
−HK$4,484/mo
Today · 4.125%
HK$173,704
baseline
▲ 0.50% · 4.625%
HK$182,860
+HK$9,156/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$347,408/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,461
−HK$11,944/mo
▼ 0.25% · 3.875%
HK$196,385
−HK$6,020/mo
Today · 4.125%
HK$202,405
baseline
▲ 0.50% · 4.625%
HK$214,720
+HK$12,315/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$404,810/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,886
−HK$11,447/mo
▼ 0.25% · 3.875%
HK$217,569
−HK$5,764/mo
Today · 4.125%
HK$223,333
baseline
▲ 0.50% · 4.625%
HK$235,106
+HK$11,773/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$446,666/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,144 · Scale 2, in force from 26 Feb 2026)