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$105,346
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,623
−HK$3,329/mo
Today · 4.125%
HK$111,952
baseline
▲ 0.50% · 4.625%
HK$118,764
+HK$6,812/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,904/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,197
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,340
−HK$3,188/mo
Today · 4.125%
HK$123,528
baseline
▲ 0.50% · 4.625%
HK$130,040
+HK$6,512/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,056/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,415
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,348
−HK$3,995/mo
Today · 4.125%
HK$134,343
baseline
▲ 0.50% · 4.625%
HK$142,517
+HK$8,174/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$268,686/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,636
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,408
−HK$3,826/mo
Today · 4.125%
HK$148,234
baseline
▲ 0.50% · 4.625%
HK$156,048
+HK$7,814/mo
Deposit HK$18.48M · loan HK$27.72M · min. income ≈ HK$296,468/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,485
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$152,072
−HK$4,661/mo
Today · 4.125%
HK$156,733
baseline
▲ 0.50% · 4.625%
HK$166,270
+HK$9,537/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$313,466/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,075
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$168,476
−HK$4,464/mo
Today · 4.125%
HK$172,940
baseline
▲ 0.50% · 4.625%
HK$182,056
+HK$9,116/mo
Deposit HK$13.86M · loan HK$32.34M · min. income ≈ HK$345,880/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,623
−HK$11,891/mo
▼ 0.25% · 3.875%
HK$195,522
−HK$5,992/mo
Today · 4.125%
HK$201,514
baseline
▲ 0.50% · 4.625%
HK$213,776
+HK$12,262/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$403,028/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,954
−HK$11,397/mo
▼ 0.25% · 3.875%
HK$216,612
−HK$5,739/mo
Today · 4.125%
HK$222,351
baseline
▲ 0.50% · 4.625%
HK$234,072
+HK$11,721/mo
Deposit HK$4.62M · loan HK$41.58M · min. income ≈ HK$444,702/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,470 · Scale 2, in force from 26 Feb 2026)