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$105,368
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,646
−HK$3,330/mo
Today · 4.125%
HK$111,976
baseline
▲ 0.50% · 4.625%
HK$118,789
+HK$6,813/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$223,952/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,221
−HK$6,333/mo
▼ 0.25% · 3.875%
HK$120,365
−HK$3,189/mo
Today · 4.125%
HK$123,554
baseline
▲ 0.50% · 4.625%
HK$130,067
+HK$6,513/mo
Deposit HK$23.10M · loan HK$23.10M · min. income ≈ HK$247,108/mo (50% DSR)
Upfront cash ≈ HK$25.07M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,442
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,375
−HK$3,996/mo
Today · 4.125%
HK$134,371
baseline
▲ 0.50% · 4.625%
HK$142,547
+HK$8,176/mo
Deposit HK$18.48M · loan HK$27.73M · min. income ≈ HK$268,742/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,665
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,438
−HK$3,827/mo
Today · 4.125%
HK$148,265
baseline
▲ 0.50% · 4.625%
HK$156,080
+HK$7,815/mo
Deposit HK$18.48M · loan HK$27.73M · min. income ≈ HK$296,530/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,515
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,104
−HK$4,662/mo
Today · 4.125%
HK$156,766
baseline
▲ 0.50% · 4.625%
HK$166,305
+HK$9,539/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$313,532/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,109
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$168,511
−HK$4,465/mo
Today · 4.125%
HK$172,976
baseline
▲ 0.50% · 4.625%
HK$182,093
+HK$9,117/mo
Deposit HK$13.86M · loan HK$32.35M · min. income ≈ HK$345,952/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,663
−HK$11,893/mo
▼ 0.25% · 3.875%
HK$195,562
−HK$5,994/mo
Today · 4.125%
HK$201,556
baseline
▲ 0.50% · 4.625%
HK$213,820
+HK$12,264/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$403,112/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,998
−HK$11,399/mo
▼ 0.25% · 3.875%
HK$216,657
−HK$5,740/mo
Today · 4.125%
HK$222,397
baseline
▲ 0.50% · 4.625%
HK$234,120
+HK$11,723/mo
Deposit HK$4.62M · loan HK$41.59M · min. income ≈ HK$444,794/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,963,879 · Scale 2, in force from 26 Feb 2026)