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$104,903
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,166
−HK$3,315/mo
Today · 4.125%
HK$111,481
baseline
▲ 0.50% · 4.625%
HK$118,265
+HK$6,784/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,962/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,704
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,834
−HK$3,175/mo
Today · 4.125%
HK$123,009
baseline
▲ 0.50% · 4.625%
HK$129,493
+HK$6,484/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$246,018/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,884
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$129,799
−HK$3,979/mo
Today · 4.125%
HK$133,778
baseline
▲ 0.50% · 4.625%
HK$141,918
+HK$8,140/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$267,556/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,044
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,800
−HK$3,811/mo
Today · 4.125%
HK$147,611
baseline
▲ 0.50% · 4.625%
HK$155,391
+HK$7,780/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$295,222/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,864
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,433
−HK$4,641/mo
Today · 4.125%
HK$156,074
baseline
▲ 0.50% · 4.625%
HK$165,571
+HK$9,497/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$312,148/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,385
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,767
−HK$4,445/mo
Today · 4.125%
HK$172,212
baseline
▲ 0.50% · 4.625%
HK$181,290
+HK$9,078/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$344,424/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,826
−HK$11,841/mo
▼ 0.25% · 3.875%
HK$194,699
−HK$5,968/mo
Today · 4.125%
HK$200,667
baseline
▲ 0.50% · 4.625%
HK$212,877
+HK$12,210/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$401,334/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,067
−HK$11,349/mo
▼ 0.25% · 3.875%
HK$215,700
−HK$5,716/mo
Today · 4.125%
HK$221,416
baseline
▲ 0.50% · 4.625%
HK$233,087
+HK$11,671/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$442,832/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,955,212 · Scale 2, in force from 26 Feb 2026)