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$105,605
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,890
−HK$3,338/mo
Today · 4.125%
HK$112,228
baseline
▲ 0.50% · 4.625%
HK$119,056
+HK$6,828/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$224,456/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,485
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,636
−HK$3,196/mo
Today · 4.125%
HK$123,832
baseline
▲ 0.50% · 4.625%
HK$130,359
+HK$6,527/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$247,664/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,726
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,668
−HK$4,005/mo
Today · 4.125%
HK$134,673
baseline
▲ 0.50% · 4.625%
HK$142,868
+HK$8,195/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$269,346/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,982
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,763
−HK$3,835/mo
Today · 4.125%
HK$148,598
baseline
▲ 0.50% · 4.625%
HK$156,431
+HK$7,833/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$297,196/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,847
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,446
−HK$4,673/mo
Today · 4.125%
HK$157,119
baseline
▲ 0.50% · 4.625%
HK$166,679
+HK$9,560/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$314,238/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,479
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$168,890
−HK$4,475/mo
Today · 4.125%
HK$173,365
baseline
▲ 0.50% · 4.625%
HK$182,503
+HK$9,138/mo
Deposit HK$13.89M · loan HK$32.42M · min. income ≈ HK$346,730/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,089
−HK$11,921/mo
▼ 0.25% · 3.875%
HK$196,002
−HK$6,008/mo
Today · 4.125%
HK$202,010
baseline
▲ 0.50% · 4.625%
HK$214,301
+HK$12,291/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$404,020/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,472
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$217,144
−HK$5,754/mo
Today · 4.125%
HK$222,898
baseline
▲ 0.50% · 4.625%
HK$234,647
+HK$11,749/mo
Deposit HK$4.63M · loan HK$41.68M · min. income ≈ HK$445,796/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,296 · Scale 2, in force from 26 Feb 2026)