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$104,875
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,137
−HK$3,314/mo
Today · 4.125%
HK$111,451
baseline
▲ 0.50% · 4.625%
HK$118,233
+HK$6,782/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,902/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,672
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,801
−HK$3,175/mo
Today · 4.125%
HK$122,976
baseline
▲ 0.50% · 4.625%
HK$129,458
+HK$6,482/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,952/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,850
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,764
−HK$3,978/mo
Today · 4.125%
HK$133,742
baseline
▲ 0.50% · 4.625%
HK$141,880
+HK$8,138/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$267,484/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,007
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,762
−HK$3,809/mo
Today · 4.125%
HK$147,571
baseline
▲ 0.50% · 4.625%
HK$155,349
+HK$7,778/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$295,142/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,825
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$151,392
−HK$4,640/mo
Today · 4.125%
HK$156,032
baseline
▲ 0.50% · 4.625%
HK$165,526
+HK$9,494/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$312,064/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,341
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,722
−HK$4,444/mo
Today · 4.125%
HK$172,166
baseline
▲ 0.50% · 4.625%
HK$181,241
+HK$9,075/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$344,332/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,775
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$194,647
−HK$5,965/mo
Today · 4.125%
HK$200,612
baseline
▲ 0.50% · 4.625%
HK$212,819
+HK$12,207/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$401,224/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,010
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$215,642
−HK$5,714/mo
Today · 4.125%
HK$221,356
baseline
▲ 0.50% · 4.625%
HK$233,024
+HK$11,668/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$442,712/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,684 · Scale 2, in force from 26 Feb 2026)