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$105,061
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,329
−HK$3,320/mo
Today · 4.125%
HK$111,649
baseline
▲ 0.50% · 4.625%
HK$118,443
+HK$6,794/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$223,298/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,879
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,014
−HK$3,180/mo
Today · 4.125%
HK$123,194
baseline
▲ 0.50% · 4.625%
HK$129,687
+HK$6,493/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$246,388/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,073
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,994
−HK$3,985/mo
Today · 4.125%
HK$133,979
baseline
▲ 0.50% · 4.625%
HK$142,131
+HK$8,152/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$267,958/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,255
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,016
−HK$3,816/mo
Today · 4.125%
HK$147,832
baseline
▲ 0.50% · 4.625%
HK$155,625
+HK$7,793/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$295,664/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,085
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$151,660
−HK$4,649/mo
Today · 4.125%
HK$156,309
baseline
▲ 0.50% · 4.625%
HK$165,820
+HK$9,511/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$312,618/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,631
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,019
−HK$4,452/mo
Today · 4.125%
HK$172,471
baseline
▲ 0.50% · 4.625%
HK$181,562
+HK$9,091/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$344,942/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,109
−HK$11,859/mo
▼ 0.25% · 3.875%
HK$194,992
−HK$5,976/mo
Today · 4.125%
HK$200,968
baseline
▲ 0.50% · 4.625%
HK$213,197
+HK$12,229/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$401,936/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,382
−HK$11,367/mo
▼ 0.25% · 3.875%
HK$216,025
−HK$5,724/mo
Today · 4.125%
HK$221,749
baseline
▲ 0.50% · 4.625%
HK$233,437
+HK$11,688/mo
Deposit HK$4.61M · loan HK$41.47M · min. income ≈ HK$443,498/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,150 · Scale 2, in force from 26 Feb 2026)