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$105,598
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,883
−HK$3,337/mo
Today · 4.125%
HK$112,220
baseline
▲ 0.50% · 4.625%
HK$119,048
+HK$6,828/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,440/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,477
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,627
−HK$3,196/mo
Today · 4.125%
HK$123,823
baseline
▲ 0.50% · 4.625%
HK$130,350
+HK$6,527/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,646/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,717
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,659
−HK$4,005/mo
Today · 4.125%
HK$134,664
baseline
▲ 0.50% · 4.625%
HK$142,858
+HK$8,194/mo
Deposit HK$18.52M · loan HK$27.79M · min. income ≈ HK$269,328/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,972
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,753
−HK$3,835/mo
Today · 4.125%
HK$148,588
baseline
▲ 0.50% · 4.625%
HK$156,420
+HK$7,832/mo
Deposit HK$18.52M · loan HK$27.79M · min. income ≈ HK$297,176/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,837
−HK$9,271/mo
▼ 0.25% · 3.875%
HK$152,436
−HK$4,672/mo
Today · 4.125%
HK$157,108
baseline
▲ 0.50% · 4.625%
HK$166,667
+HK$9,559/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$314,216/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,467
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,878
−HK$4,475/mo
Today · 4.125%
HK$173,353
baseline
▲ 0.50% · 4.625%
HK$182,491
+HK$9,138/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$346,706/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,076
−HK$11,920/mo
▼ 0.25% · 3.875%
HK$195,989
−HK$6,007/mo
Today · 4.125%
HK$201,996
baseline
▲ 0.50% · 4.625%
HK$214,287
+HK$12,291/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$403,992/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,458
−HK$11,424/mo
▼ 0.25% · 3.875%
HK$217,129
−HK$5,753/mo
Today · 4.125%
HK$222,882
baseline
▲ 0.50% · 4.625%
HK$234,631
+HK$11,749/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$445,764/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,161 · Scale 2, in force from 26 Feb 2026)