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$107,411
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,752
−HK$3,394/mo
Today · 4.125%
HK$114,146
baseline
▲ 0.50% · 4.625%
HK$121,092
+HK$6,946/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$228,292/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,493
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,698
−HK$3,251/mo
Today · 4.125%
HK$125,949
baseline
▲ 0.50% · 4.625%
HK$132,588
+HK$6,639/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$251,898/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,893
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$132,902
−HK$4,073/mo
Today · 4.125%
HK$136,975
baseline
▲ 0.50% · 4.625%
HK$145,310
+HK$8,335/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$273,950/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,392
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,237
−HK$3,902/mo
Today · 4.125%
HK$151,139
baseline
▲ 0.50% · 4.625%
HK$159,106
+HK$7,967/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$302,278/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,375
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$155,052
−HK$4,753/mo
Today · 4.125%
HK$159,805
baseline
▲ 0.50% · 4.625%
HK$169,528
+HK$9,723/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$319,610/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,290
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$171,777
−HK$4,552/mo
Today · 4.125%
HK$176,329
baseline
▲ 0.50% · 4.625%
HK$185,623
+HK$9,294/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$352,658/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,339
−HK$12,124/mo
▼ 0.25% · 3.875%
HK$199,353
−HK$6,110/mo
Today · 4.125%
HK$205,463
baseline
▲ 0.50% · 4.625%
HK$217,965
+HK$12,502/mo
Deposit HK$4.71M · loan HK$42.39M · min. income ≈ HK$410,926/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,088
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$220,856
−HK$5,852/mo
Today · 4.125%
HK$226,708
baseline
▲ 0.50% · 4.625%
HK$238,658
+HK$11,950/mo
Deposit HK$4.71M · loan HK$42.39M · min. income ≈ HK$453,416/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,001,945 · Scale 2, in force from 26 Feb 2026)