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$104,988
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,254
−HK$3,318/mo
Today · 4.125%
HK$111,572
baseline
▲ 0.50% · 4.625%
HK$118,361
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,144/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,799
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,931
−HK$3,178/mo
Today · 4.125%
HK$123,109
baseline
▲ 0.50% · 4.625%
HK$129,598
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,218/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,986
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,905
−HK$3,982/mo
Today · 4.125%
HK$133,887
baseline
▲ 0.50% · 4.625%
HK$142,033
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$267,774/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,158
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,917
−HK$3,814/mo
Today · 4.125%
HK$147,731
baseline
▲ 0.50% · 4.625%
HK$155,518
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.63M · min. income ≈ HK$295,462/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,984
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,556
−HK$4,645/mo
Today · 4.125%
HK$156,201
baseline
▲ 0.50% · 4.625%
HK$165,705
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,402/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,518
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,903
−HK$4,449/mo
Today · 4.125%
HK$172,352
baseline
▲ 0.50% · 4.625%
HK$181,437
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,704/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,979
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$194,857
−HK$5,973/mo
Today · 4.125%
HK$200,830
baseline
▲ 0.50% · 4.625%
HK$213,050
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,660/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,237
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$215,876
−HK$5,720/mo
Today · 4.125%
HK$221,596
baseline
▲ 0.50% · 4.625%
HK$233,276
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,192/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,801 · Scale 2, in force from 26 Feb 2026)