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$105,254
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,528
−HK$3,326/mo
Today · 4.125%
HK$111,854
baseline
▲ 0.50% · 4.625%
HK$118,660
+HK$6,806/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$223,708/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,094
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,234
−HK$3,186/mo
Today · 4.125%
HK$123,420
baseline
▲ 0.50% · 4.625%
HK$129,926
+HK$6,506/mo
Deposit HK$23.08M · loan HK$23.08M · min. income ≈ HK$246,840/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,305
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,233
−HK$3,992/mo
Today · 4.125%
HK$134,225
baseline
▲ 0.50% · 4.625%
HK$142,392
+HK$8,167/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$268,450/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,513
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,281
−HK$3,823/mo
Today · 4.125%
HK$148,104
baseline
▲ 0.50% · 4.625%
HK$155,911
+HK$7,807/mo
Deposit HK$18.46M · loan HK$27.70M · min. income ≈ HK$296,208/mo (50% DSR)
Upfront cash ≈ HK$20.43M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,355
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$151,939
−HK$4,657/mo
Today · 4.125%
HK$156,596
baseline
▲ 0.50% · 4.625%
HK$166,124
+HK$9,528/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$313,192/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,931
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$168,328
−HK$4,460/mo
Today · 4.125%
HK$172,788
baseline
▲ 0.50% · 4.625%
HK$181,896
+HK$9,108/mo
Deposit HK$13.85M · loan HK$32.31M · min. income ≈ HK$345,576/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,457
−HK$11,881/mo
▼ 0.25% · 3.875%
HK$195,350
−HK$5,988/mo
Today · 4.125%
HK$201,338
baseline
▲ 0.50% · 4.625%
HK$213,589
+HK$12,251/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$402,676/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,769
−HK$11,387/mo
▼ 0.25% · 3.875%
HK$216,422
−HK$5,734/mo
Today · 4.125%
HK$222,156
baseline
▲ 0.50% · 4.625%
HK$233,866
+HK$11,710/mo
Deposit HK$4.62M · loan HK$41.54M · min. income ≈ HK$444,312/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,961,749 · Scale 2, in force from 26 Feb 2026)