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$105,561
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,844
−HK$3,336/mo
Today · 4.125%
HK$112,180
baseline
▲ 0.50% · 4.625%
HK$119,006
+HK$6,826/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$224,360/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,435
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,585
−HK$3,195/mo
Today · 4.125%
HK$123,780
baseline
▲ 0.50% · 4.625%
HK$130,304
+HK$6,524/mo
Deposit HK$23.15M · loan HK$23.15M · min. income ≈ HK$247,560/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,673
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,613
−HK$4,003/mo
Today · 4.125%
HK$134,616
baseline
▲ 0.50% · 4.625%
HK$142,807
+HK$8,191/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$269,232/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,922
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,701
−HK$3,835/mo
Today · 4.125%
HK$148,536
baseline
▲ 0.50% · 4.625%
HK$156,365
+HK$7,829/mo
Deposit HK$18.52M · loan HK$27.78M · min. income ≈ HK$297,072/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,785
−HK$9,267/mo
▼ 0.25% · 3.875%
HK$152,382
−HK$4,670/mo
Today · 4.125%
HK$157,052
baseline
▲ 0.50% · 4.625%
HK$166,608
+HK$9,556/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$314,104/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,409
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,818
−HK$4,474/mo
Today · 4.125%
HK$173,292
baseline
▲ 0.50% · 4.625%
HK$182,426
+HK$9,134/mo
Deposit HK$13.89M · loan HK$32.41M · min. income ≈ HK$346,584/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,009
−HK$11,915/mo
▼ 0.25% · 3.875%
HK$195,919
−HK$6,005/mo
Today · 4.125%
HK$201,924
baseline
▲ 0.50% · 4.625%
HK$214,211
+HK$12,287/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$403,848/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,383
−HK$11,420/mo
▼ 0.25% · 3.875%
HK$217,052
−HK$5,751/mo
Today · 4.125%
HK$222,803
baseline
▲ 0.50% · 4.625%
HK$234,548
+HK$11,745/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$445,606/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,464 · Scale 2, in force from 26 Feb 2026)