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$105,445
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,725
−HK$3,332/mo
Today · 4.125%
HK$112,057
baseline
▲ 0.50% · 4.625%
HK$118,876
+HK$6,819/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,114/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,306
−HK$6,338/mo
▼ 0.25% · 3.875%
HK$120,452
−HK$3,192/mo
Today · 4.125%
HK$123,644
baseline
▲ 0.50% · 4.625%
HK$130,161
+HK$6,517/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,288/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,534
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,470
−HK$3,999/mo
Today · 4.125%
HK$134,469
baseline
▲ 0.50% · 4.625%
HK$142,651
+HK$8,182/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$268,938/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,768
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$144,543
−HK$3,830/mo
Today · 4.125%
HK$148,373
baseline
▲ 0.50% · 4.625%
HK$156,194
+HK$7,821/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$296,746/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,623
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$152,215
−HK$4,665/mo
Today · 4.125%
HK$156,880
baseline
▲ 0.50% · 4.625%
HK$166,426
+HK$9,546/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,760/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,229
−HK$8,873/mo
▼ 0.25% · 3.875%
HK$168,633
−HK$4,469/mo
Today · 4.125%
HK$173,102
baseline
▲ 0.50% · 4.625%
HK$182,226
+HK$9,124/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,204/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,801
−HK$11,902/mo
▼ 0.25% · 3.875%
HK$195,705
−HK$5,998/mo
Today · 4.125%
HK$201,703
baseline
▲ 0.50% · 4.625%
HK$213,976
+HK$12,273/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$403,406/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,151
−HK$11,408/mo
▼ 0.25% · 3.875%
HK$216,814
−HK$5,745/mo
Today · 4.125%
HK$222,559
baseline
▲ 0.50% · 4.625%
HK$234,291
+HK$11,732/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$445,118/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,308 · Scale 2, in force from 26 Feb 2026)