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$107,223
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,559
−HK$3,388/mo
Today · 4.125%
HK$113,947
baseline
▲ 0.50% · 4.625%
HK$120,881
+HK$6,934/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$227,894/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,285
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,484
−HK$3,246/mo
Today · 4.125%
HK$125,730
baseline
▲ 0.50% · 4.625%
HK$132,357
+HK$6,627/mo
Deposit HK$23.51M · loan HK$23.51M · min. income ≈ HK$251,460/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,668
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,670
−HK$4,067/mo
Today · 4.125%
HK$136,737
baseline
▲ 0.50% · 4.625%
HK$145,057
+HK$8,320/mo
Deposit HK$18.81M · loan HK$28.21M · min. income ≈ HK$273,474/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,142
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,981
−HK$3,894/mo
Today · 4.125%
HK$150,875
baseline
▲ 0.50% · 4.625%
HK$158,828
+HK$7,953/mo
Deposit HK$18.81M · loan HK$28.21M · min. income ≈ HK$301,750/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,113
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$154,782
−HK$4,744/mo
Today · 4.125%
HK$159,526
baseline
▲ 0.50% · 4.625%
HK$169,233
+HK$9,707/mo
Deposit HK$14.11M · loan HK$32.92M · min. income ≈ HK$319,052/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,999
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$171,478
−HK$4,543/mo
Today · 4.125%
HK$176,021
baseline
▲ 0.50% · 4.625%
HK$185,300
+HK$9,279/mo
Deposit HK$14.11M · loan HK$32.92M · min. income ≈ HK$352,042/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,002
−HK$12,103/mo
▼ 0.25% · 3.875%
HK$199,006
−HK$6,099/mo
Today · 4.125%
HK$205,105
baseline
▲ 0.50% · 4.625%
HK$217,585
+HK$12,480/mo
Deposit HK$4.70M · loan HK$42.32M · min. income ≈ HK$410,210/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,713
−HK$11,600/mo
▼ 0.25% · 3.875%
HK$220,471
−HK$5,842/mo
Today · 4.125%
HK$226,313
baseline
▲ 0.50% · 4.625%
HK$238,242
+HK$11,929/mo
Deposit HK$4.70M · loan HK$42.32M · min. income ≈ HK$452,626/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$1,998,458 · Scale 2, in force from 26 Feb 2026)