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$107,179
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,513
−HK$3,387/mo
Today · 4.125%
HK$113,900
baseline
▲ 0.50% · 4.625%
HK$120,831
+HK$6,931/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$227,800/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,236
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,434
−HK$3,244/mo
Today · 4.125%
HK$125,678
baseline
▲ 0.50% · 4.625%
HK$132,302
+HK$6,624/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$251,356/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,615
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,616
−HK$4,064/mo
Today · 4.125%
HK$136,680
baseline
▲ 0.50% · 4.625%
HK$144,997
+HK$8,317/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$273,360/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,083
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$146,920
−HK$3,893/mo
Today · 4.125%
HK$150,813
baseline
▲ 0.50% · 4.625%
HK$158,763
+HK$7,950/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$301,626/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,051
−HK$9,410/mo
▼ 0.25% · 3.875%
HK$154,718
−HK$4,743/mo
Today · 4.125%
HK$159,461
baseline
▲ 0.50% · 4.625%
HK$169,163
+HK$9,702/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$318,922/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,930
−HK$9,019/mo
▼ 0.25% · 3.875%
HK$171,407
−HK$4,542/mo
Today · 4.125%
HK$175,949
baseline
▲ 0.50% · 4.625%
HK$185,223
+HK$9,274/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$351,898/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,923
−HK$12,098/mo
▼ 0.25% · 3.875%
HK$198,924
−HK$6,097/mo
Today · 4.125%
HK$205,021
baseline
▲ 0.50% · 4.625%
HK$217,496
+HK$12,475/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$410,042/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,625
−HK$11,595/mo
▼ 0.25% · 3.875%
HK$220,381
−HK$5,839/mo
Today · 4.125%
HK$226,220
baseline
▲ 0.50% · 4.625%
HK$238,144
+HK$11,924/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$452,440/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,635 · Scale 2, in force from 26 Feb 2026)