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$104,970
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,235
−HK$3,317/mo
Today · 4.125%
HK$111,552
baseline
▲ 0.50% · 4.625%
HK$118,340
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,104/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,778
−HK$6,309/mo
▼ 0.25% · 3.875%
HK$119,910
−HK$3,177/mo
Today · 4.125%
HK$123,087
baseline
▲ 0.50% · 4.625%
HK$129,575
+HK$6,488/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,174/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,963
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,882
−HK$3,981/mo
Today · 4.125%
HK$133,863
baseline
▲ 0.50% · 4.625%
HK$142,008
+HK$8,145/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$267,726/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,133
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,891
−HK$3,813/mo
Today · 4.125%
HK$147,704
baseline
▲ 0.50% · 4.625%
HK$155,490
+HK$7,786/mo
Deposit HK$18.41M · loan HK$27.62M · min. income ≈ HK$295,408/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,957
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,529
−HK$4,644/mo
Today · 4.125%
HK$156,173
baseline
▲ 0.50% · 4.625%
HK$165,676
+HK$9,503/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$312,346/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,489
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$167,873
−HK$4,448/mo
Today · 4.125%
HK$172,321
baseline
▲ 0.50% · 4.625%
HK$181,405
+HK$9,084/mo
Deposit HK$13.81M · loan HK$32.22M · min. income ≈ HK$344,642/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,945
−HK$11,849/mo
▼ 0.25% · 3.875%
HK$194,822
−HK$5,972/mo
Today · 4.125%
HK$200,794
baseline
▲ 0.50% · 4.625%
HK$213,012
+HK$12,218/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$401,588/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,200
−HK$11,356/mo
▼ 0.25% · 3.875%
HK$215,837
−HK$5,719/mo
Today · 4.125%
HK$221,556
baseline
▲ 0.50% · 4.625%
HK$233,235
+HK$11,679/mo
Deposit HK$4.60M · loan HK$41.43M · min. income ≈ HK$443,112/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,450 · Scale 2, in force from 26 Feb 2026)