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$107,337
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,676
−HK$3,392/mo
Today · 4.125%
HK$114,068
baseline
▲ 0.50% · 4.625%
HK$121,009
+HK$6,941/mo
Deposit HK$23.54M · loan HK$23.54M · min. income ≈ HK$228,136/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,412
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,614
−HK$3,249/mo
Today · 4.125%
HK$125,863
baseline
▲ 0.50% · 4.625%
HK$132,497
+HK$6,634/mo
Deposit HK$23.54M · loan HK$23.54M · min. income ≈ HK$251,726/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,805
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,811
−HK$4,071/mo
Today · 4.125%
HK$136,882
baseline
▲ 0.50% · 4.625%
HK$145,211
+HK$8,329/mo
Deposit HK$18.83M · loan HK$28.24M · min. income ≈ HK$273,764/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,294
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$147,137
−HK$3,899/mo
Today · 4.125%
HK$151,036
baseline
▲ 0.50% · 4.625%
HK$158,997
+HK$7,961/mo
Deposit HK$18.83M · loan HK$28.24M · min. income ≈ HK$302,072/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,272
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,946
−HK$4,749/mo
Today · 4.125%
HK$159,695
baseline
▲ 0.50% · 4.625%
HK$169,412
+HK$9,717/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$319,390/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,176
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,660
−HK$4,548/mo
Today · 4.125%
HK$176,208
baseline
▲ 0.50% · 4.625%
HK$185,496
+HK$9,288/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$352,416/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,207
−HK$12,116/mo
▼ 0.25% · 3.875%
HK$199,217
−HK$6,106/mo
Today · 4.125%
HK$205,323
baseline
▲ 0.50% · 4.625%
HK$217,816
+HK$12,493/mo
Deposit HK$4.71M · loan HK$42.37M · min. income ≈ HK$410,646/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,941
−HK$11,612/mo
▼ 0.25% · 3.875%
HK$220,705
−HK$5,848/mo
Today · 4.125%
HK$226,553
baseline
▲ 0.50% · 4.625%
HK$238,495
+HK$11,942/mo
Deposit HK$4.71M · loan HK$42.37M · min. income ≈ HK$453,106/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,578 · Scale 2, in force from 26 Feb 2026)