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$105,574
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,858
−HK$3,337/mo
Today · 4.125%
HK$112,195
baseline
▲ 0.50% · 4.625%
HK$119,021
+HK$6,826/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,390/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,450
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,600
−HK$3,196/mo
Today · 4.125%
HK$123,796
baseline
▲ 0.50% · 4.625%
HK$130,321
+HK$6,525/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,592/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,689
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,630
−HK$4,004/mo
Today · 4.125%
HK$134,634
baseline
▲ 0.50% · 4.625%
HK$142,826
+HK$8,192/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,268/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,940
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,720
−HK$3,835/mo
Today · 4.125%
HK$148,555
baseline
▲ 0.50% · 4.625%
HK$156,385
+HK$7,830/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,110/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,804
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$152,401
−HK$4,671/mo
Today · 4.125%
HK$157,072
baseline
▲ 0.50% · 4.625%
HK$166,630
+HK$9,558/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,144/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,430
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$168,840
−HK$4,474/mo
Today · 4.125%
HK$173,314
baseline
▲ 0.50% · 4.625%
HK$182,450
+HK$9,136/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,628/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,034
−HK$11,916/mo
▼ 0.25% · 3.875%
HK$195,945
−HK$6,005/mo
Today · 4.125%
HK$201,950
baseline
▲ 0.50% · 4.625%
HK$214,239
+HK$12,289/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$403,900/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,410
−HK$11,422/mo
▼ 0.25% · 3.875%
HK$217,080
−HK$5,752/mo
Today · 4.125%
HK$222,832
baseline
▲ 0.50% · 4.625%
HK$234,578
+HK$11,746/mo
Deposit HK$4.63M · loan HK$41.67M · min. income ≈ HK$445,664/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,719 · Scale 2, in force from 26 Feb 2026)