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$105,327
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,603
−HK$3,329/mo
Today · 4.125%
HK$111,932
baseline
▲ 0.50% · 4.625%
HK$118,743
+HK$6,811/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,864/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,175
−HK$6,331/mo
▼ 0.25% · 3.875%
HK$120,318
−HK$3,188/mo
Today · 4.125%
HK$123,506
baseline
▲ 0.50% · 4.625%
HK$130,016
+HK$6,510/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,012/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,393
−HK$7,926/mo
▼ 0.25% · 3.875%
HK$130,324
−HK$3,995/mo
Today · 4.125%
HK$134,319
baseline
▲ 0.50% · 4.625%
HK$142,492
+HK$8,173/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$268,638/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,611
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,382
−HK$3,825/mo
Today · 4.125%
HK$148,207
baseline
▲ 0.50% · 4.625%
HK$156,020
+HK$7,813/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$296,414/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,458
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,045
−HK$4,660/mo
Today · 4.125%
HK$156,705
baseline
▲ 0.50% · 4.625%
HK$166,240
+HK$9,535/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,410/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,046
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,445
−HK$4,464/mo
Today · 4.125%
HK$172,909
baseline
▲ 0.50% · 4.625%
HK$182,023
+HK$9,114/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,818/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,589
−HK$11,889/mo
▼ 0.25% · 3.875%
HK$195,486
−HK$5,992/mo
Today · 4.125%
HK$201,478
baseline
▲ 0.50% · 4.625%
HK$213,737
+HK$12,259/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,956/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,916
−HK$11,395/mo
▼ 0.25% · 3.875%
HK$216,572
−HK$5,739/mo
Today · 4.125%
HK$222,311
baseline
▲ 0.50% · 4.625%
HK$234,029
+HK$11,718/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,622/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,116 · Scale 2, in force from 26 Feb 2026)