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$105,353
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$108,630
−HK$3,330/mo
Today · 4.125%
HK$111,960
baseline
▲ 0.50% · 4.625%
HK$118,772
+HK$6,812/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,920/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,205
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,348
−HK$3,189/mo
Today · 4.125%
HK$123,537
baseline
▲ 0.50% · 4.625%
HK$130,049
+HK$6,512/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,074/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,424
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,357
−HK$3,995/mo
Today · 4.125%
HK$134,352
baseline
▲ 0.50% · 4.625%
HK$142,527
+HK$8,175/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,704/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,645
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,418
−HK$3,826/mo
Today · 4.125%
HK$148,244
baseline
▲ 0.50% · 4.625%
HK$156,058
+HK$7,814/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,488/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,495
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$152,083
−HK$4,661/mo
Today · 4.125%
HK$156,744
baseline
▲ 0.50% · 4.625%
HK$166,281
+HK$9,537/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,488/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,086
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$168,487
−HK$4,464/mo
Today · 4.125%
HK$172,951
baseline
▲ 0.50% · 4.625%
HK$182,068
+HK$9,117/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,902/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,636
−HK$11,892/mo
▼ 0.25% · 3.875%
HK$195,535
−HK$5,993/mo
Today · 4.125%
HK$201,528
baseline
▲ 0.50% · 4.625%
HK$213,790
+HK$12,262/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$403,056/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,968
−HK$11,398/mo
▼ 0.25% · 3.875%
HK$216,626
−HK$5,740/mo
Today · 4.125%
HK$222,366
baseline
▲ 0.50% · 4.625%
HK$234,087
+HK$11,721/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$444,732/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,603 · Scale 2, in force from 26 Feb 2026)