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$104,869
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,131
−HK$3,315/mo
Today · 4.125%
HK$111,446
baseline
▲ 0.50% · 4.625%
HK$118,227
+HK$6,781/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,892/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,666
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,795
−HK$3,174/mo
Today · 4.125%
HK$122,969
baseline
▲ 0.50% · 4.625%
HK$129,451
+HK$6,482/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,938/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,843
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,758
−HK$3,977/mo
Today · 4.125%
HK$133,735
baseline
▲ 0.50% · 4.625%
HK$141,872
+HK$8,137/mo
Deposit HK$18.40M · loan HK$27.59M · min. income ≈ HK$267,470/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,999
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,754
−HK$3,809/mo
Today · 4.125%
HK$147,563
baseline
▲ 0.50% · 4.625%
HK$155,341
+HK$7,778/mo
Deposit HK$18.40M · loan HK$27.59M · min. income ≈ HK$295,126/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,817
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$151,384
−HK$4,640/mo
Today · 4.125%
HK$156,024
baseline
▲ 0.50% · 4.625%
HK$165,518
+HK$9,494/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$312,048/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,333
−HK$8,824/mo
▼ 0.25% · 3.875%
HK$167,713
−HK$4,444/mo
Today · 4.125%
HK$172,157
baseline
▲ 0.50% · 4.625%
HK$181,232
+HK$9,075/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$344,314/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,765
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$194,637
−HK$5,965/mo
Today · 4.125%
HK$200,602
baseline
▲ 0.50% · 4.625%
HK$212,808
+HK$12,206/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$401,204/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,999
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$215,631
−HK$5,714/mo
Today · 4.125%
HK$221,345
baseline
▲ 0.50% · 4.625%
HK$233,012
+HK$11,667/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$442,690/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,583 · Scale 2, in force from 26 Feb 2026)