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$105,544
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,827
−HK$3,336/mo
Today · 4.125%
HK$112,163
baseline
▲ 0.50% · 4.625%
HK$118,988
+HK$6,825/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,326/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,417
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,566
−HK$3,195/mo
Today · 4.125%
HK$123,761
baseline
▲ 0.50% · 4.625%
HK$130,284
+HK$6,523/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,522/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,653
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$130,593
−HK$4,002/mo
Today · 4.125%
HK$134,595
baseline
▲ 0.50% · 4.625%
HK$142,785
+HK$8,190/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$269,190/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,900
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,679
−HK$3,834/mo
Today · 4.125%
HK$148,513
baseline
▲ 0.50% · 4.625%
HK$156,341
+HK$7,828/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$297,026/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,762
−HK$9,266/mo
▼ 0.25% · 3.875%
HK$152,358
−HK$4,670/mo
Today · 4.125%
HK$157,028
baseline
▲ 0.50% · 4.625%
HK$166,583
+HK$9,555/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$314,056/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,384
−HK$8,881/mo
▼ 0.25% · 3.875%
HK$168,792
−HK$4,473/mo
Today · 4.125%
HK$173,265
baseline
▲ 0.50% · 4.625%
HK$182,398
+HK$9,133/mo
Deposit HK$13.89M · loan HK$32.40M · min. income ≈ HK$346,530/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,980
−HK$11,913/mo
▼ 0.25% · 3.875%
HK$195,889
−HK$6,004/mo
Today · 4.125%
HK$201,893
baseline
▲ 0.50% · 4.625%
HK$214,178
+HK$12,285/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$403,786/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,351
−HK$11,418/mo
▼ 0.25% · 3.875%
HK$217,019
−HK$5,750/mo
Today · 4.125%
HK$222,769
baseline
▲ 0.50% · 4.625%
HK$234,512
+HK$11,743/mo
Deposit HK$4.63M · loan HK$41.66M · min. income ≈ HK$445,538/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,967,162 · Scale 2, in force from 26 Feb 2026)