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$104,870
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,133
−HK$3,314/mo
Today · 4.125%
HK$111,447
baseline
▲ 0.50% · 4.625%
HK$118,228
+HK$6,781/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,894/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,667
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,796
−HK$3,175/mo
Today · 4.125%
HK$122,971
baseline
▲ 0.50% · 4.625%
HK$129,452
+HK$6,481/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,942/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,845
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,759
−HK$3,977/mo
Today · 4.125%
HK$133,736
baseline
▲ 0.50% · 4.625%
HK$141,874
+HK$8,138/mo
Deposit HK$18.40M · loan HK$27.59M · min. income ≈ HK$267,472/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,001
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,756
−HK$3,809/mo
Today · 4.125%
HK$147,565
baseline
▲ 0.50% · 4.625%
HK$155,343
+HK$7,778/mo
Deposit HK$18.40M · loan HK$27.59M · min. income ≈ HK$295,130/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,819
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$151,386
−HK$4,640/mo
Today · 4.125%
HK$156,026
baseline
▲ 0.50% · 4.625%
HK$165,519
+HK$9,493/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$312,052/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,334
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,715
−HK$4,444/mo
Today · 4.125%
HK$172,159
baseline
▲ 0.50% · 4.625%
HK$181,233
+HK$9,074/mo
Deposit HK$13.80M · loan HK$32.19M · min. income ≈ HK$344,318/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,767
−HK$11,837/mo
▼ 0.25% · 3.875%
HK$194,639
−HK$5,965/mo
Today · 4.125%
HK$200,604
baseline
▲ 0.50% · 4.625%
HK$212,811
+HK$12,207/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$401,208/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,001
−HK$11,346/mo
▼ 0.25% · 3.875%
HK$215,633
−HK$5,714/mo
Today · 4.125%
HK$221,347
baseline
▲ 0.50% · 4.625%
HK$233,014
+HK$11,667/mo
Deposit HK$4.60M · loan HK$41.39M · min. income ≈ HK$442,694/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,603 · Scale 2, in force from 26 Feb 2026)