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$105,082
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,350
−HK$3,321/mo
Today · 4.125%
HK$111,671
baseline
▲ 0.50% · 4.625%
HK$118,466
+HK$6,795/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$223,342/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,902
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,038
−HK$3,180/mo
Today · 4.125%
HK$123,218
baseline
▲ 0.50% · 4.625%
HK$129,713
+HK$6,495/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$246,436/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,098
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$130,020
−HK$3,985/mo
Today · 4.125%
HK$134,005
baseline
▲ 0.50% · 4.625%
HK$142,159
+HK$8,154/mo
Deposit HK$18.43M · loan HK$27.65M · min. income ≈ HK$268,010/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,283
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,045
−HK$3,817/mo
Today · 4.125%
HK$147,862
baseline
▲ 0.50% · 4.625%
HK$155,656
+HK$7,794/mo
Deposit HK$18.43M · loan HK$27.65M · min. income ≈ HK$295,724/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,114
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$151,690
−HK$4,650/mo
Today · 4.125%
HK$156,340
baseline
▲ 0.50% · 4.625%
HK$165,853
+HK$9,513/mo
Deposit HK$13.82M · loan HK$32.26M · min. income ≈ HK$312,680/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,663
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$168,053
−HK$4,452/mo
Today · 4.125%
HK$172,505
baseline
▲ 0.50% · 4.625%
HK$181,598
+HK$9,093/mo
Deposit HK$13.82M · loan HK$32.26M · min. income ≈ HK$345,010/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,147
−HK$11,861/mo
▼ 0.25% · 3.875%
HK$195,031
−HK$5,977/mo
Today · 4.125%
HK$201,008
baseline
▲ 0.50% · 4.625%
HK$213,239
+HK$12,231/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$402,016/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,424
−HK$11,369/mo
▼ 0.25% · 3.875%
HK$216,068
−HK$5,725/mo
Today · 4.125%
HK$221,793
baseline
▲ 0.50% · 4.625%
HK$233,484
+HK$11,691/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$443,586/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,540 · Scale 2, in force from 26 Feb 2026)