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$104,884
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$108,146
−HK$3,315/mo
Today · 4.125%
HK$111,461
baseline
▲ 0.50% · 4.625%
HK$118,243
+HK$6,782/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$222,922/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,682
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$119,812
−HK$3,174/mo
Today · 4.125%
HK$122,986
baseline
▲ 0.50% · 4.625%
HK$129,469
+HK$6,483/mo
Deposit HK$23.00M · loan HK$23.00M · min. income ≈ HK$245,972/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,861
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,776
−HK$3,977/mo
Today · 4.125%
HK$133,753
baseline
▲ 0.50% · 4.625%
HK$141,892
+HK$8,139/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$267,506/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,019
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$143,774
−HK$3,809/mo
Today · 4.125%
HK$147,583
baseline
▲ 0.50% · 4.625%
HK$155,363
+HK$7,780/mo
Deposit HK$18.40M · loan HK$27.60M · min. income ≈ HK$295,166/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,837
−HK$9,208/mo
▼ 0.25% · 3.875%
HK$151,405
−HK$4,640/mo
Today · 4.125%
HK$156,045
baseline
▲ 0.50% · 4.625%
HK$165,540
+HK$9,495/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$312,090/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,355
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$167,736
−HK$4,445/mo
Today · 4.125%
HK$172,181
baseline
▲ 0.50% · 4.625%
HK$181,257
+HK$9,076/mo
Deposit HK$13.80M · loan HK$32.20M · min. income ≈ HK$344,362/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,791
−HK$11,839/mo
▼ 0.25% · 3.875%
HK$194,663
−HK$5,967/mo
Today · 4.125%
HK$200,630
baseline
▲ 0.50% · 4.625%
HK$212,838
+HK$12,208/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$401,260/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,028
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$215,661
−HK$5,714/mo
Today · 4.125%
HK$221,375
baseline
▲ 0.50% · 4.625%
HK$233,044
+HK$11,669/mo
Deposit HK$4.60M · loan HK$41.40M · min. income ≈ HK$442,750/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,954,852 · Scale 2, in force from 26 Feb 2026)