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$108,813
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,198
−HK$3,439/mo
Today · 4.125%
HK$115,637
baseline
▲ 0.50% · 4.625%
HK$122,673
+HK$7,036/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$231,274/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,054
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,300
−HK$3,294/mo
Today · 4.125%
HK$127,594
baseline
▲ 0.50% · 4.625%
HK$134,319
+HK$6,725/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$255,188/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,576
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,638
−HK$4,126/mo
Today · 4.125%
HK$138,764
baseline
▲ 0.50% · 4.625%
HK$147,208
+HK$8,444/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$277,528/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,264
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,160
−HK$3,953/mo
Today · 4.125%
HK$153,113
baseline
▲ 0.50% · 4.625%
HK$161,183
+HK$8,070/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$306,226/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,339
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,077
−HK$4,815/mo
Today · 4.125%
HK$161,892
baseline
▲ 0.50% · 4.625%
HK$171,742
+HK$9,850/mo
Deposit HK$14.32M · loan HK$33.40M · min. income ≈ HK$323,784/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,475
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$174,020
−HK$4,611/mo
Today · 4.125%
HK$178,631
baseline
▲ 0.50% · 4.625%
HK$188,047
+HK$9,416/mo
Deposit HK$14.32M · loan HK$33.40M · min. income ≈ HK$357,262/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,864
−HK$12,282/mo
▼ 0.25% · 3.875%
HK$201,956
−HK$6,190/mo
Today · 4.125%
HK$208,146
baseline
▲ 0.50% · 4.625%
HK$220,812
+HK$12,666/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$416,292/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,897
−HK$11,772/mo
▼ 0.25% · 3.875%
HK$223,741
−HK$5,928/mo
Today · 4.125%
HK$229,669
baseline
▲ 0.50% · 4.625%
HK$241,775
+HK$12,106/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$459,338/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,090 · Scale 2, in force from 26 Feb 2026)