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$105,455
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,735
−HK$3,333/mo
Today · 4.125%
HK$112,068
baseline
▲ 0.50% · 4.625%
HK$118,887
+HK$6,819/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,136/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,317
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,464
−HK$3,192/mo
Today · 4.125%
HK$123,656
baseline
▲ 0.50% · 4.625%
HK$130,174
+HK$6,518/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,312/mo (50% DSR)
Upfront cash ≈ HK$25.09M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,546
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,482
−HK$3,999/mo
Today · 4.125%
HK$134,481
baseline
▲ 0.50% · 4.625%
HK$142,664
+HK$8,183/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$268,962/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,781
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,556
−HK$3,831/mo
Today · 4.125%
HK$148,387
baseline
▲ 0.50% · 4.625%
HK$156,208
+HK$7,821/mo
Deposit HK$18.50M · loan HK$27.75M · min. income ≈ HK$296,774/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,637
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,229
−HK$4,666/mo
Today · 4.125%
HK$156,895
baseline
▲ 0.50% · 4.625%
HK$166,441
+HK$9,546/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,790/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,244
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,649
−HK$4,469/mo
Today · 4.125%
HK$173,118
baseline
▲ 0.50% · 4.625%
HK$182,243
+HK$9,125/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,236/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,818
−HK$11,904/mo
▼ 0.25% · 3.875%
HK$195,723
−HK$5,999/mo
Today · 4.125%
HK$201,722
baseline
▲ 0.50% · 4.625%
HK$213,996
+HK$12,274/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$403,444/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,171
−HK$11,409/mo
▼ 0.25% · 3.875%
HK$216,835
−HK$5,745/mo
Today · 4.125%
HK$222,580
baseline
▲ 0.50% · 4.625%
HK$234,312
+HK$11,732/mo
Deposit HK$4.62M · loan HK$41.62M · min. income ≈ HK$445,160/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,491 · Scale 2, in force from 26 Feb 2026)