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$105,658
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,944
−HK$3,340/mo
Today · 4.125%
HK$112,284
baseline
▲ 0.50% · 4.625%
HK$119,116
+HK$6,832/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,568/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,543
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,696
−HK$3,198/mo
Today · 4.125%
HK$123,894
baseline
▲ 0.50% · 4.625%
HK$130,424
+HK$6,530/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,788/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,790
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$130,733
−HK$4,007/mo
Today · 4.125%
HK$134,740
baseline
▲ 0.50% · 4.625%
HK$142,939
+HK$8,199/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$269,480/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,052
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,835
−HK$3,838/mo
Today · 4.125%
HK$148,673
baseline
▲ 0.50% · 4.625%
HK$156,509
+HK$7,836/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$297,346/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,921
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$152,522
−HK$4,675/mo
Today · 4.125%
HK$157,197
baseline
▲ 0.50% · 4.625%
HK$166,762
+HK$9,565/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$314,394/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,561
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$168,974
−HK$4,477/mo
Today · 4.125%
HK$173,451
baseline
▲ 0.50% · 4.625%
HK$182,594
+HK$9,143/mo
Deposit HK$13.90M · loan HK$32.44M · min. income ≈ HK$346,902/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,184
−HK$11,926/mo
▼ 0.25% · 3.875%
HK$196,100
−HK$6,010/mo
Today · 4.125%
HK$202,110
baseline
▲ 0.50% · 4.625%
HK$214,408
+HK$12,298/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$404,220/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,578
−HK$11,431/mo
▼ 0.25% · 3.875%
HK$217,252
−HK$5,757/mo
Today · 4.125%
HK$223,009
baseline
▲ 0.50% · 4.625%
HK$234,764
+HK$11,755/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$446,018/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,280 · Scale 2, in force from 26 Feb 2026)