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$105,036
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,303
−HK$3,319/mo
Today · 4.125%
HK$111,622
baseline
▲ 0.50% · 4.625%
HK$118,414
+HK$6,792/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$223,244/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,851
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,985
−HK$3,179/mo
Today · 4.125%
HK$123,164
baseline
▲ 0.50% · 4.625%
HK$129,656
+HK$6,492/mo
Deposit HK$23.03M · loan HK$23.03M · min. income ≈ HK$246,328/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,043
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$129,963
−HK$3,984/mo
Today · 4.125%
HK$133,947
baseline
▲ 0.50% · 4.625%
HK$142,097
+HK$8,150/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$267,894/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,221
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,982
−HK$3,815/mo
Today · 4.125%
HK$147,797
baseline
▲ 0.50% · 4.625%
HK$155,587
+HK$7,790/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$295,594/mo (50% DSR)
Upfront cash ≈ HK$20.38M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,050
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$151,624
−HK$4,647/mo
Today · 4.125%
HK$156,271
baseline
▲ 0.50% · 4.625%
HK$165,780
+HK$9,509/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$312,542/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,591
−HK$8,839/mo
▼ 0.25% · 3.875%
HK$167,979
−HK$4,451/mo
Today · 4.125%
HK$172,430
baseline
▲ 0.50% · 4.625%
HK$181,519
+HK$9,089/mo
Deposit HK$13.82M · loan HK$32.24M · min. income ≈ HK$344,860/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,064
−HK$11,856/mo
▼ 0.25% · 3.875%
HK$194,945
−HK$5,975/mo
Today · 4.125%
HK$200,920
baseline
▲ 0.50% · 4.625%
HK$213,145
+HK$12,225/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$401,840/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,332
−HK$11,363/mo
▼ 0.25% · 3.875%
HK$215,973
−HK$5,722/mo
Today · 4.125%
HK$221,695
baseline
▲ 0.50% · 4.625%
HK$233,381
+HK$11,686/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$443,390/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,957,679 · Scale 2, in force from 26 Feb 2026)