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$107,158
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,491
−HK$3,387/mo
Today · 4.125%
HK$113,878
baseline
▲ 0.50% · 4.625%
HK$120,807
+HK$6,929/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$227,756/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,212
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,409
−HK$3,244/mo
Today · 4.125%
HK$125,653
baseline
▲ 0.50% · 4.625%
HK$132,276
+HK$6,623/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$251,306/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,590
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$132,589
−HK$4,064/mo
Today · 4.125%
HK$136,653
baseline
▲ 0.50% · 4.625%
HK$144,968
+HK$8,315/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$273,306/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,055
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$146,891
−HK$3,892/mo
Today · 4.125%
HK$150,783
baseline
▲ 0.50% · 4.625%
HK$158,731
+HK$7,948/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$301,566/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,021
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$154,688
−HK$4,741/mo
Today · 4.125%
HK$159,429
baseline
▲ 0.50% · 4.625%
HK$169,130
+HK$9,701/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$318,858/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,897
−HK$9,017/mo
▼ 0.25% · 3.875%
HK$171,373
−HK$4,541/mo
Today · 4.125%
HK$175,914
baseline
▲ 0.50% · 4.625%
HK$185,187
+HK$9,273/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$351,828/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,884
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$198,884
−HK$6,096/mo
Today · 4.125%
HK$204,980
baseline
▲ 0.50% · 4.625%
HK$217,452
+HK$12,472/mo
Deposit HK$4.70M · loan HK$42.29M · min. income ≈ HK$409,960/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,582
−HK$11,593/mo
▼ 0.25% · 3.875%
HK$220,337
−HK$5,838/mo
Today · 4.125%
HK$226,175
baseline
▲ 0.50% · 4.625%
HK$238,097
+HK$11,922/mo
Deposit HK$4.70M · loan HK$42.29M · min. income ≈ HK$452,350/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,238 · Scale 2, in force from 26 Feb 2026)