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$105,323
−HK$6,605/mo
▼ 0.25% · 3.875%
HK$108,599
−HK$3,329/mo
Today · 4.125%
HK$111,928
baseline
▲ 0.50% · 4.625%
HK$118,738
+HK$6,810/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$223,856/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,171
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,313
−HK$3,188/mo
Today · 4.125%
HK$123,501
baseline
▲ 0.50% · 4.625%
HK$130,011
+HK$6,510/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$247,002/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,388
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,319
−HK$3,994/mo
Today · 4.125%
HK$134,313
baseline
▲ 0.50% · 4.625%
HK$142,486
+HK$8,173/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$268,626/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,605
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,376
−HK$3,825/mo
Today · 4.125%
HK$148,201
baseline
▲ 0.50% · 4.625%
HK$156,013
+HK$7,812/mo
Deposit HK$18.48M · loan HK$27.71M · min. income ≈ HK$296,402/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,452
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,039
−HK$4,660/mo
Today · 4.125%
HK$156,699
baseline
▲ 0.50% · 4.625%
HK$166,233
+HK$9,534/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,398/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,039
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,438
−HK$4,464/mo
Today · 4.125%
HK$172,902
baseline
▲ 0.50% · 4.625%
HK$182,015
+HK$9,113/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,804/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,581
−HK$11,889/mo
▼ 0.25% · 3.875%
HK$195,478
−HK$5,992/mo
Today · 4.125%
HK$201,470
baseline
▲ 0.50% · 4.625%
HK$213,729
+HK$12,259/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,940/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,907
−HK$11,395/mo
▼ 0.25% · 3.875%
HK$216,564
−HK$5,738/mo
Today · 4.125%
HK$222,302
baseline
▲ 0.50% · 4.625%
HK$234,020
+HK$11,718/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,604/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,036 · Scale 2, in force from 26 Feb 2026)