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$108,025
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,386
−HK$3,414/mo
Today · 4.125%
HK$114,800
baseline
▲ 0.50% · 4.625%
HK$121,785
+HK$6,985/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,600/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,177
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,400
−HK$3,270/mo
Today · 4.125%
HK$126,670
baseline
▲ 0.50% · 4.625%
HK$133,347
+HK$6,677/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,340/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,631
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,663
−HK$4,097/mo
Today · 4.125%
HK$137,760
baseline
▲ 0.50% · 4.625%
HK$146,142
+HK$8,382/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$275,520/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,213
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,080
−HK$3,924/mo
Today · 4.125%
HK$152,004
baseline
▲ 0.50% · 4.625%
HK$160,016
+HK$8,012/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$304,008/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,236
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$155,940
−HK$4,779/mo
Today · 4.125%
HK$160,719
baseline
▲ 0.50% · 4.625%
HK$170,499
+HK$9,780/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,438/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,248
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,760
−HK$4,578/mo
Today · 4.125%
HK$177,338
baseline
▲ 0.50% · 4.625%
HK$186,686
+HK$9,348/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,676/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,446
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$200,494
−HK$6,145/mo
Today · 4.125%
HK$206,639
baseline
▲ 0.50% · 4.625%
HK$219,213
+HK$12,574/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,278/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,319
−HK$11,687/mo
▼ 0.25% · 3.875%
HK$222,121
−HK$5,885/mo
Today · 4.125%
HK$228,006
baseline
▲ 0.50% · 4.625%
HK$240,025
+HK$12,019/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,012/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,406 · Scale 2, in force from 26 Feb 2026)