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$104,984
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,250
−HK$3,317/mo
Today · 4.125%
HK$111,567
baseline
▲ 0.50% · 4.625%
HK$118,356
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,134/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,794
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,926
−HK$3,178/mo
Today · 4.125%
HK$123,104
baseline
▲ 0.50% · 4.625%
HK$129,593
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,208/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,981
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,899
−HK$3,982/mo
Today · 4.125%
HK$133,881
baseline
▲ 0.50% · 4.625%
HK$142,027
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,762/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,152
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,911
−HK$3,813/mo
Today · 4.125%
HK$147,724
baseline
▲ 0.50% · 4.625%
HK$155,511
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,448/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,978
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,549
−HK$4,645/mo
Today · 4.125%
HK$156,194
baseline
▲ 0.50% · 4.625%
HK$165,698
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,388/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,511
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,896
−HK$4,449/mo
Today · 4.125%
HK$172,345
baseline
▲ 0.50% · 4.625%
HK$181,430
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,690/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,971
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,849
−HK$5,972/mo
Today · 4.125%
HK$200,821
baseline
▲ 0.50% · 4.625%
HK$213,041
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,642/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,228
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$215,867
−HK$5,719/mo
Today · 4.125%
HK$221,586
baseline
▲ 0.50% · 4.625%
HK$233,267
+HK$11,681/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,172/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,718 · Scale 2, in force from 26 Feb 2026)