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$105,645
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,931
−HK$3,339/mo
Today · 4.125%
HK$112,270
baseline
▲ 0.50% · 4.625%
HK$119,101
+HK$6,831/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,540/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,529
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,681
−HK$3,197/mo
Today · 4.125%
HK$123,878
baseline
▲ 0.50% · 4.625%
HK$130,408
+HK$6,530/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,756/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,774
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,717
−HK$4,006/mo
Today · 4.125%
HK$134,723
baseline
▲ 0.50% · 4.625%
HK$142,921
+HK$8,198/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$269,446/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,034
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,817
−HK$3,837/mo
Today · 4.125%
HK$148,654
baseline
▲ 0.50% · 4.625%
HK$156,490
+HK$7,836/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$297,308/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,903
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$152,503
−HK$4,674/mo
Today · 4.125%
HK$157,177
baseline
▲ 0.50% · 4.625%
HK$166,741
+HK$9,564/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$314,354/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,540
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$168,953
−HK$4,477/mo
Today · 4.125%
HK$173,430
baseline
▲ 0.50% · 4.625%
HK$182,571
+HK$9,141/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$346,860/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,160
−HK$11,925/mo
▼ 0.25% · 3.875%
HK$196,076
−HK$6,009/mo
Today · 4.125%
HK$202,085
baseline
▲ 0.50% · 4.625%
HK$214,382
+HK$12,297/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$404,170/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,552
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$217,225
−HK$5,756/mo
Today · 4.125%
HK$222,981
baseline
▲ 0.50% · 4.625%
HK$234,735
+HK$11,754/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$445,962/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,033 · Scale 2, in force from 26 Feb 2026)