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$107,210
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,545
−HK$3,388/mo
Today · 4.125%
HK$113,933
baseline
▲ 0.50% · 4.625%
HK$120,866
+HK$6,933/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$227,866/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,270
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,469
−HK$3,245/mo
Today · 4.125%
HK$125,714
baseline
▲ 0.50% · 4.625%
HK$132,340
+HK$6,626/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$251,428/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,652
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,654
−HK$4,066/mo
Today · 4.125%
HK$136,720
baseline
▲ 0.50% · 4.625%
HK$145,039
+HK$8,319/mo
Deposit HK$18.81M · loan HK$28.21M · min. income ≈ HK$273,440/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,124
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,963
−HK$3,894/mo
Today · 4.125%
HK$150,857
baseline
▲ 0.50% · 4.625%
HK$158,808
+HK$7,951/mo
Deposit HK$18.81M · loan HK$28.21M · min. income ≈ HK$301,714/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,094
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$154,763
−HK$4,743/mo
Today · 4.125%
HK$159,506
baseline
▲ 0.50% · 4.625%
HK$169,212
+HK$9,706/mo
Deposit HK$14.10M · loan HK$32.91M · min. income ≈ HK$319,012/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,978
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$171,456
−HK$4,543/mo
Today · 4.125%
HK$175,999
baseline
▲ 0.50% · 4.625%
HK$185,276
+HK$9,277/mo
Deposit HK$14.10M · loan HK$32.91M · min. income ≈ HK$351,998/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,978
−HK$12,101/mo
▼ 0.25% · 3.875%
HK$198,981
−HK$6,098/mo
Today · 4.125%
HK$205,079
baseline
▲ 0.50% · 4.625%
HK$217,558
+HK$12,479/mo
Deposit HK$4.70M · loan HK$42.31M · min. income ≈ HK$410,158/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,686
−HK$11,599/mo
▼ 0.25% · 3.875%
HK$220,444
−HK$5,841/mo
Today · 4.125%
HK$226,285
baseline
▲ 0.50% · 4.625%
HK$238,213
+HK$11,928/mo
Deposit HK$4.70M · loan HK$42.31M · min. income ≈ HK$452,570/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,207 · Scale 2, in force from 26 Feb 2026)