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$107,162
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,496
−HK$3,386/mo
Today · 4.125%
HK$113,882
baseline
▲ 0.50% · 4.625%
HK$120,812
+HK$6,930/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$227,764/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,217
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,414
−HK$3,244/mo
Today · 4.125%
HK$125,658
baseline
▲ 0.50% · 4.625%
HK$132,282
+HK$6,624/mo
Deposit HK$23.50M · loan HK$23.50M · min. income ≈ HK$251,316/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,595
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,595
−HK$4,064/mo
Today · 4.125%
HK$136,659
baseline
▲ 0.50% · 4.625%
HK$144,974
+HK$8,315/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$273,318/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,060
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,897
−HK$3,892/mo
Today · 4.125%
HK$150,789
baseline
▲ 0.50% · 4.625%
HK$158,738
+HK$7,949/mo
Deposit HK$18.80M · loan HK$28.20M · min. income ≈ HK$301,578/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,027
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$154,694
−HK$4,741/mo
Today · 4.125%
HK$159,435
baseline
▲ 0.50% · 4.625%
HK$169,137
+HK$9,702/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$318,870/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,904
−HK$9,017/mo
▼ 0.25% · 3.875%
HK$171,380
−HK$4,541/mo
Today · 4.125%
HK$175,921
baseline
▲ 0.50% · 4.625%
HK$185,194
+HK$9,273/mo
Deposit HK$14.10M · loan HK$32.90M · min. income ≈ HK$351,842/mo (50% DSR)
Upfront cash ≈ HK$16.10M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,892
−HK$12,096/mo
▼ 0.25% · 3.875%
HK$198,892
−HK$6,096/mo
Today · 4.125%
HK$204,988
baseline
▲ 0.50% · 4.625%
HK$217,461
+HK$12,473/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$409,976/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,591
−HK$11,593/mo
▼ 0.25% · 3.875%
HK$220,346
−HK$5,838/mo
Today · 4.125%
HK$226,184
baseline
▲ 0.50% · 4.625%
HK$238,107
+HK$11,923/mo
Deposit HK$4.70M · loan HK$42.30M · min. income ≈ HK$452,368/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,997,319 · Scale 2, in force from 26 Feb 2026)