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$108,828
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,213
−HK$3,439/mo
Today · 4.125%
HK$115,652
baseline
▲ 0.50% · 4.625%
HK$122,689
+HK$7,037/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$231,304/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,070
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,317
−HK$3,294/mo
Today · 4.125%
HK$127,611
baseline
▲ 0.50% · 4.625%
HK$134,337
+HK$6,726/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$255,222/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,593
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,655
−HK$4,127/mo
Today · 4.125%
HK$138,782
baseline
▲ 0.50% · 4.625%
HK$147,227
+HK$8,445/mo
Deposit HK$19.09M · loan HK$28.64M · min. income ≈ HK$277,564/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,284
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,180
−HK$3,953/mo
Today · 4.125%
HK$153,133
baseline
▲ 0.50% · 4.625%
HK$161,205
+HK$8,072/mo
Deposit HK$19.09M · loan HK$28.64M · min. income ≈ HK$306,266/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,359
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$157,098
−HK$4,815/mo
Today · 4.125%
HK$161,913
baseline
▲ 0.50% · 4.625%
HK$171,765
+HK$9,852/mo
Deposit HK$14.32M · loan HK$33.41M · min. income ≈ HK$323,826/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,497
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$174,043
−HK$4,612/mo
Today · 4.125%
HK$178,655
baseline
▲ 0.50% · 4.625%
HK$188,072
+HK$9,417/mo
Deposit HK$14.32M · loan HK$33.41M · min. income ≈ HK$357,310/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,890
−HK$12,284/mo
▼ 0.25% · 3.875%
HK$201,983
−HK$6,191/mo
Today · 4.125%
HK$208,174
baseline
▲ 0.50% · 4.625%
HK$220,841
+HK$12,667/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$416,348/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,925
−HK$11,774/mo
▼ 0.25% · 3.875%
HK$223,770
−HK$5,929/mo
Today · 4.125%
HK$229,699
baseline
▲ 0.50% · 4.625%
HK$241,807
+HK$12,108/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$459,398/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,357 · Scale 2, in force from 26 Feb 2026)