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$105,750
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,040
−HK$3,342/mo
Today · 4.125%
HK$112,382
baseline
▲ 0.50% · 4.625%
HK$119,220
+HK$6,838/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$224,764/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,646
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,201/mo
Today · 4.125%
HK$124,002
baseline
▲ 0.50% · 4.625%
HK$130,538
+HK$6,536/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$248,004/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,900
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$130,848
−HK$4,010/mo
Today · 4.125%
HK$134,858
baseline
▲ 0.50% · 4.625%
HK$143,064
+HK$8,206/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$269,716/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,175
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,961
−HK$3,841/mo
Today · 4.125%
HK$148,802
baseline
▲ 0.50% · 4.625%
HK$156,646
+HK$7,844/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$297,604/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,050
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$152,655
−HK$4,679/mo
Today · 4.125%
HK$157,334
baseline
▲ 0.50% · 4.625%
HK$166,908
+HK$9,574/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$314,668/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,704
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,122
−HK$4,481/mo
Today · 4.125%
HK$173,603
baseline
▲ 0.50% · 4.625%
HK$182,754
+HK$9,151/mo
Deposit HK$13.91M · loan HK$32.46M · min. income ≈ HK$347,206/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,350
−HK$11,937/mo
▼ 0.25% · 3.875%
HK$196,271
−HK$6,016/mo
Today · 4.125%
HK$202,287
baseline
▲ 0.50% · 4.625%
HK$214,596
+HK$12,309/mo
Deposit HK$4.64M · loan HK$41.74M · min. income ≈ HK$404,574/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,763
−HK$11,441/mo
▼ 0.25% · 3.875%
HK$217,442
−HK$5,762/mo
Today · 4.125%
HK$223,204
baseline
▲ 0.50% · 4.625%
HK$234,969
+HK$11,765/mo
Deposit HK$4.64M · loan HK$41.74M · min. income ≈ HK$446,408/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,970,999 · Scale 2, in force from 26 Feb 2026)