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$105,586
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,870
−HK$3,337/mo
Today · 4.125%
HK$112,207
baseline
▲ 0.50% · 4.625%
HK$119,034
+HK$6,827/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,414/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,463
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,613
−HK$3,196/mo
Today · 4.125%
HK$123,809
baseline
▲ 0.50% · 4.625%
HK$130,335
+HK$6,526/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,618/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,703
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,644
−HK$4,004/mo
Today · 4.125%
HK$134,648
baseline
▲ 0.50% · 4.625%
HK$142,841
+HK$8,193/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,296/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,956
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,736
−HK$3,835/mo
Today · 4.125%
HK$148,571
baseline
▲ 0.50% · 4.625%
HK$156,403
+HK$7,832/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,142/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,820
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$152,418
−HK$4,672/mo
Today · 4.125%
HK$157,090
baseline
▲ 0.50% · 4.625%
HK$166,648
+HK$9,558/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,180/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,448
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$168,859
−HK$4,474/mo
Today · 4.125%
HK$173,333
baseline
▲ 0.50% · 4.625%
HK$182,470
+HK$9,137/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,666/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,054
−HK$11,919/mo
▼ 0.25% · 3.875%
HK$195,966
−HK$6,007/mo
Today · 4.125%
HK$201,973
baseline
▲ 0.50% · 4.625%
HK$214,262
+HK$12,289/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$403,946/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,434
−HK$11,423/mo
▼ 0.25% · 3.875%
HK$217,104
−HK$5,753/mo
Today · 4.125%
HK$222,857
baseline
▲ 0.50% · 4.625%
HK$234,604
+HK$11,747/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$445,714/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,935 · Scale 2, in force from 26 Feb 2026)