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$107,243
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,578
−HK$3,390/mo
Today · 4.125%
HK$113,968
baseline
▲ 0.50% · 4.625%
HK$120,902
+HK$6,934/mo
Deposit HK$23.52M · loan HK$23.52M · min. income ≈ HK$227,936/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,306
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,506
−HK$3,246/mo
Today · 4.125%
HK$125,752
baseline
▲ 0.50% · 4.625%
HK$132,381
+HK$6,629/mo
Deposit HK$23.52M · loan HK$23.52M · min. income ≈ HK$251,504/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,691
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,694
−HK$4,067/mo
Today · 4.125%
HK$136,761
baseline
▲ 0.50% · 4.625%
HK$145,083
+HK$8,322/mo
Deposit HK$18.81M · loan HK$28.22M · min. income ≈ HK$273,522/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,168
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$147,007
−HK$3,895/mo
Today · 4.125%
HK$150,902
baseline
▲ 0.50% · 4.625%
HK$158,857
+HK$7,955/mo
Deposit HK$18.81M · loan HK$28.22M · min. income ≈ HK$301,804/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,140
−HK$9,415/mo
▼ 0.25% · 3.875%
HK$154,810
−HK$4,745/mo
Today · 4.125%
HK$159,555
baseline
▲ 0.50% · 4.625%
HK$169,263
+HK$9,708/mo
Deposit HK$14.11M · loan HK$32.92M · min. income ≈ HK$319,110/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,029
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$171,508
−HK$4,545/mo
Today · 4.125%
HK$176,053
baseline
▲ 0.50% · 4.625%
HK$185,333
+HK$9,280/mo
Deposit HK$14.11M · loan HK$32.92M · min. income ≈ HK$352,106/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,037
−HK$12,105/mo
▼ 0.25% · 3.875%
HK$199,041
−HK$6,101/mo
Today · 4.125%
HK$205,142
baseline
▲ 0.50% · 4.625%
HK$217,624
+HK$12,482/mo
Deposit HK$4.70M · loan HK$42.33M · min. income ≈ HK$410,284/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,751
−HK$11,603/mo
▼ 0.25% · 3.875%
HK$220,511
−HK$5,843/mo
Today · 4.125%
HK$226,354
baseline
▲ 0.50% · 4.625%
HK$238,285
+HK$11,931/mo
Deposit HK$4.70M · loan HK$42.33M · min. income ≈ HK$452,708/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,815 · Scale 2, in force from 26 Feb 2026)