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$105,321
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$108,597
−HK$3,328/mo
Today · 4.125%
HK$111,925
baseline
▲ 0.50% · 4.625%
HK$118,736
+HK$6,811/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$223,850/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,168
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,311
−HK$3,188/mo
Today · 4.125%
HK$123,499
baseline
▲ 0.50% · 4.625%
HK$130,009
+HK$6,510/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$246,998/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,385
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,316
−HK$3,995/mo
Today · 4.125%
HK$134,311
baseline
▲ 0.50% · 4.625%
HK$142,483
+HK$8,172/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$268,622/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,602
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,373
−HK$3,825/mo
Today · 4.125%
HK$148,198
baseline
▲ 0.50% · 4.625%
HK$156,010
+HK$7,812/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$296,396/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,449
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,036
−HK$4,660/mo
Today · 4.125%
HK$156,696
baseline
▲ 0.50% · 4.625%
HK$166,230
+HK$9,534/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,392/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,036
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$168,435
−HK$4,463/mo
Today · 4.125%
HK$172,898
baseline
▲ 0.50% · 4.625%
HK$182,012
+HK$9,114/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,796/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,578
−HK$11,888/mo
▼ 0.25% · 3.875%
HK$195,475
−HK$5,991/mo
Today · 4.125%
HK$201,466
baseline
▲ 0.50% · 4.625%
HK$213,725
+HK$12,259/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,932/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,903
−HK$11,395/mo
▼ 0.25% · 3.875%
HK$216,560
−HK$5,738/mo
Today · 4.125%
HK$222,298
baseline
▲ 0.50% · 4.625%
HK$234,015
+HK$11,717/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,596/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,999 · Scale 2, in force from 26 Feb 2026)