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$105,454
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,734
−HK$3,333/mo
Today · 4.125%
HK$112,067
baseline
▲ 0.50% · 4.625%
HK$118,886
+HK$6,819/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,134/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,317
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,463
−HK$3,192/mo
Today · 4.125%
HK$123,655
baseline
▲ 0.50% · 4.625%
HK$130,173
+HK$6,518/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,310/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,545
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,481
−HK$3,999/mo
Today · 4.125%
HK$134,480
baseline
▲ 0.50% · 4.625%
HK$142,663
+HK$8,183/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$268,960/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,780
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,556
−HK$3,830/mo
Today · 4.125%
HK$148,386
baseline
▲ 0.50% · 4.625%
HK$156,208
+HK$7,822/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$296,772/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,636
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,228
−HK$4,666/mo
Today · 4.125%
HK$156,894
baseline
▲ 0.50% · 4.625%
HK$166,441
+HK$9,547/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,788/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,243
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,648
−HK$4,469/mo
Today · 4.125%
HK$173,117
baseline
▲ 0.50% · 4.625%
HK$182,242
+HK$9,125/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,234/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,817
−HK$11,904/mo
▼ 0.25% · 3.875%
HK$195,722
−HK$5,999/mo
Today · 4.125%
HK$201,721
baseline
▲ 0.50% · 4.625%
HK$213,995
+HK$12,274/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$403,442/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,170
−HK$11,409/mo
▼ 0.25% · 3.875%
HK$216,834
−HK$5,745/mo
Today · 4.125%
HK$222,579
baseline
▲ 0.50% · 4.625%
HK$234,311
+HK$11,732/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$445,158/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,482 · Scale 2, in force from 26 Feb 2026)