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$107,281
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,618
−HK$3,391/mo
Today · 4.125%
HK$114,009
baseline
▲ 0.50% · 4.625%
HK$120,946
+HK$6,937/mo
Deposit HK$23.52M · loan HK$23.52M · min. income ≈ HK$228,018/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,349
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,550
−HK$3,247/mo
Today · 4.125%
HK$125,797
baseline
▲ 0.50% · 4.625%
HK$132,428
+HK$6,631/mo
Deposit HK$23.52M · loan HK$23.52M · min. income ≈ HK$251,594/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,737
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$132,742
−HK$4,068/mo
Today · 4.125%
HK$136,810
baseline
▲ 0.50% · 4.625%
HK$145,135
+HK$8,325/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$273,620/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,219
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,060
−HK$3,897/mo
Today · 4.125%
HK$150,957
baseline
▲ 0.50% · 4.625%
HK$158,914
+HK$7,957/mo
Deposit HK$18.82M · loan HK$28.23M · min. income ≈ HK$301,914/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,194
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$154,865
−HK$4,747/mo
Today · 4.125%
HK$159,612
baseline
▲ 0.50% · 4.625%
HK$169,324
+HK$9,712/mo
Deposit HK$14.11M · loan HK$32.93M · min. income ≈ HK$319,224/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,089
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,570
−HK$4,546/mo
Today · 4.125%
HK$176,116
baseline
▲ 0.50% · 4.625%
HK$185,400
+HK$9,284/mo
Deposit HK$14.11M · loan HK$32.93M · min. income ≈ HK$352,232/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,106
−HK$12,110/mo
▼ 0.25% · 3.875%
HK$199,113
−HK$6,103/mo
Today · 4.125%
HK$205,216
baseline
▲ 0.50% · 4.625%
HK$217,702
+HK$12,486/mo
Deposit HK$4.70M · loan HK$42.34M · min. income ≈ HK$410,432/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,829
−HK$11,606/mo
▼ 0.25% · 3.875%
HK$220,590
−HK$5,845/mo
Today · 4.125%
HK$226,435
baseline
▲ 0.50% · 4.625%
HK$238,371
+HK$11,936/mo
Deposit HK$4.70M · loan HK$42.34M · min. income ≈ HK$452,870/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,999,534 · Scale 2, in force from 26 Feb 2026)