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$107,199
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,534
−HK$3,388/mo
Today · 4.125%
HK$113,922
baseline
▲ 0.50% · 4.625%
HK$120,854
+HK$6,932/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$227,844/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,258
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,457
−HK$3,244/mo
Today · 4.125%
HK$125,701
baseline
▲ 0.50% · 4.625%
HK$132,327
+HK$6,626/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$251,402/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,639
−HK$8,067/mo
▼ 0.25% · 3.875%
HK$132,641
−HK$4,065/mo
Today · 4.125%
HK$136,706
baseline
▲ 0.50% · 4.625%
HK$145,024
+HK$8,318/mo
Deposit HK$18.80M · loan HK$28.21M · min. income ≈ HK$273,412/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,110
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$146,948
−HK$3,894/mo
Today · 4.125%
HK$150,842
baseline
▲ 0.50% · 4.625%
HK$158,793
+HK$7,951/mo
Deposit HK$18.80M · loan HK$28.21M · min. income ≈ HK$301,684/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,079
−HK$9,411/mo
▼ 0.25% · 3.875%
HK$154,747
−HK$4,743/mo
Today · 4.125%
HK$159,490
baseline
▲ 0.50% · 4.625%
HK$169,195
+HK$9,705/mo
Deposit HK$14.10M · loan HK$32.91M · min. income ≈ HK$318,980/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,961
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$171,439
−HK$4,543/mo
Today · 4.125%
HK$175,982
baseline
▲ 0.50% · 4.625%
HK$185,258
+HK$9,276/mo
Deposit HK$14.10M · loan HK$32.91M · min. income ≈ HK$351,964/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,959
−HK$12,100/mo
▼ 0.25% · 3.875%
HK$198,961
−HK$6,098/mo
Today · 4.125%
HK$205,059
baseline
▲ 0.50% · 4.625%
HK$217,536
+HK$12,477/mo
Deposit HK$4.70M · loan HK$42.31M · min. income ≈ HK$410,118/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,665
−HK$11,597/mo
▼ 0.25% · 3.875%
HK$220,422
−HK$5,840/mo
Today · 4.125%
HK$226,262
baseline
▲ 0.50% · 4.625%
HK$238,189
+HK$11,927/mo
Deposit HK$4.70M · loan HK$42.31M · min. income ≈ HK$452,524/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,009 · Scale 2, in force from 26 Feb 2026)