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$105,646
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,932
−HK$3,339/mo
Today · 4.125%
HK$112,271
baseline
▲ 0.50% · 4.625%
HK$119,103
+HK$6,832/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$224,542/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,530
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,682
−HK$3,198/mo
Today · 4.125%
HK$123,880
baseline
▲ 0.50% · 4.625%
HK$130,410
+HK$6,530/mo
Deposit HK$23.17M · loan HK$23.17M · min. income ≈ HK$247,760/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,775
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$130,719
−HK$4,006/mo
Today · 4.125%
HK$134,725
baseline
▲ 0.50% · 4.625%
HK$142,923
+HK$8,198/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$269,450/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,036
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,819
−HK$3,837/mo
Today · 4.125%
HK$148,656
baseline
▲ 0.50% · 4.625%
HK$156,492
+HK$7,836/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$297,312/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,905
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$152,505
−HK$4,675/mo
Today · 4.125%
HK$157,180
baseline
▲ 0.50% · 4.625%
HK$166,744
+HK$9,564/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$314,360/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,542
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$168,955
−HK$4,477/mo
Today · 4.125%
HK$173,432
baseline
▲ 0.50% · 4.625%
HK$182,574
+HK$9,142/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$346,864/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,163
−HK$11,925/mo
▼ 0.25% · 3.875%
HK$196,078
−HK$6,010/mo
Today · 4.125%
HK$202,088
baseline
▲ 0.50% · 4.625%
HK$214,385
+HK$12,297/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$404,176/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,555
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$217,228
−HK$5,756/mo
Today · 4.125%
HK$222,984
baseline
▲ 0.50% · 4.625%
HK$234,738
+HK$11,754/mo
Deposit HK$4.63M · loan HK$41.70M · min. income ≈ HK$445,968/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,969,061 · Scale 2, in force from 26 Feb 2026)