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$105,588
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,873
−HK$3,337/mo
Today · 4.125%
HK$112,210
baseline
▲ 0.50% · 4.625%
HK$119,037
+HK$6,827/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,420/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,466
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,616
−HK$3,196/mo
Today · 4.125%
HK$123,812
baseline
▲ 0.50% · 4.625%
HK$130,338
+HK$6,526/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,624/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,706
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,647
−HK$4,004/mo
Today · 4.125%
HK$134,651
baseline
▲ 0.50% · 4.625%
HK$142,845
+HK$8,194/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,302/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,959
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,739
−HK$3,836/mo
Today · 4.125%
HK$148,575
baseline
▲ 0.50% · 4.625%
HK$156,406
+HK$7,831/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,150/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,823
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$152,422
−HK$4,671/mo
Today · 4.125%
HK$157,093
baseline
▲ 0.50% · 4.625%
HK$166,652
+HK$9,559/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,186/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,452
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$168,863
−HK$4,474/mo
Today · 4.125%
HK$173,337
baseline
▲ 0.50% · 4.625%
HK$182,474
+HK$9,137/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,674/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,059
−HK$11,918/mo
▼ 0.25% · 3.875%
HK$195,971
−HK$6,006/mo
Today · 4.125%
HK$201,977
baseline
▲ 0.50% · 4.625%
HK$214,267
+HK$12,290/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$403,954/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,438
−HK$11,424/mo
▼ 0.25% · 3.875%
HK$217,109
−HK$5,753/mo
Today · 4.125%
HK$222,862
baseline
▲ 0.50% · 4.625%
HK$234,609
+HK$11,747/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$445,724/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,980 · Scale 2, in force from 26 Feb 2026)