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$107,078
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,409
−HK$3,384/mo
Today · 4.125%
HK$113,793
baseline
▲ 0.50% · 4.625%
HK$120,717
+HK$6,924/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$227,586/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,123
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,318
−HK$3,241/mo
Today · 4.125%
HK$125,559
baseline
▲ 0.50% · 4.625%
HK$132,177
+HK$6,618/mo
Deposit HK$23.48M · loan HK$23.48M · min. income ≈ HK$251,118/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,494
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,491
−HK$4,060/mo
Today · 4.125%
HK$136,551
baseline
▲ 0.50% · 4.625%
HK$144,860
+HK$8,309/mo
Deposit HK$18.78M · loan HK$28.18M · min. income ≈ HK$273,102/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,948
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,782
−HK$3,889/mo
Today · 4.125%
HK$150,671
baseline
▲ 0.50% · 4.625%
HK$158,613
+HK$7,942/mo
Deposit HK$18.78M · loan HK$28.18M · min. income ≈ HK$301,342/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,909
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,572
−HK$4,738/mo
Today · 4.125%
HK$159,310
baseline
▲ 0.50% · 4.625%
HK$169,003
+HK$9,693/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$318,620/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,773
−HK$9,010/mo
▼ 0.25% · 3.875%
HK$171,245
−HK$4,538/mo
Today · 4.125%
HK$175,783
baseline
▲ 0.50% · 4.625%
HK$185,048
+HK$9,265/mo
Deposit HK$14.09M · loan HK$32.87M · min. income ≈ HK$351,566/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,740
−HK$12,087/mo
▼ 0.25% · 3.875%
HK$198,736
−HK$6,091/mo
Today · 4.125%
HK$204,827
baseline
▲ 0.50% · 4.625%
HK$217,290
+HK$12,463/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$409,654/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,422
−HK$11,584/mo
▼ 0.25% · 3.875%
HK$220,172
−HK$5,834/mo
Today · 4.125%
HK$226,006
baseline
▲ 0.50% · 4.625%
HK$237,919
+HK$11,913/mo
Deposit HK$4.70M · loan HK$42.26M · min. income ≈ HK$452,012/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$1,995,748 · Scale 2, in force from 26 Feb 2026)