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$105,795
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,086
−HK$3,344/mo
Today · 4.125%
HK$112,430
baseline
▲ 0.50% · 4.625%
HK$119,271
+HK$6,841/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$224,860/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,696
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$120,853
−HK$3,202/mo
Today · 4.125%
HK$124,055
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$6,539/mo
Deposit HK$23.20M · loan HK$23.20M · min. income ≈ HK$248,110/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,954
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,903
−HK$4,012/mo
Today · 4.125%
HK$134,915
baseline
▲ 0.50% · 4.625%
HK$143,125
+HK$8,210/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$269,830/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,235
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,023
−HK$3,843/mo
Today · 4.125%
HK$148,866
baseline
▲ 0.50% · 4.625%
HK$156,713
+HK$7,847/mo
Deposit HK$18.56M · loan HK$27.84M · min. income ≈ HK$297,732/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,113
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,721
−HK$4,680/mo
Today · 4.125%
HK$157,401
baseline
▲ 0.50% · 4.625%
HK$166,979
+HK$9,578/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$314,802/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,775
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$169,194
−HK$4,483/mo
Today · 4.125%
HK$173,677
baseline
▲ 0.50% · 4.625%
HK$182,832
+HK$9,155/mo
Deposit HK$13.92M · loan HK$32.48M · min. income ≈ HK$347,354/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,432
−HK$11,941/mo
▼ 0.25% · 3.875%
HK$196,355
−HK$6,018/mo
Today · 4.125%
HK$202,373
baseline
▲ 0.50% · 4.625%
HK$214,687
+HK$12,314/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$404,746/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,853
−HK$11,446/mo
▼ 0.25% · 3.875%
HK$217,535
−HK$5,764/mo
Today · 4.125%
HK$223,299
baseline
▲ 0.50% · 4.625%
HK$235,069
+HK$11,770/mo
Deposit HK$4.64M · loan HK$41.76M · min. income ≈ HK$446,598/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,840 · Scale 2, in force from 26 Feb 2026)