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$107,640
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,988
−HK$3,402/mo
Today · 4.125%
HK$114,390
baseline
▲ 0.50% · 4.625%
HK$121,350
+HK$6,960/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,780/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,748
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,960
−HK$3,258/mo
Today · 4.125%
HK$126,218
baseline
▲ 0.50% · 4.625%
HK$132,871
+HK$6,653/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,436/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,168
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,185
−HK$4,083/mo
Today · 4.125%
HK$137,268
baseline
▲ 0.50% · 4.625%
HK$145,620
+HK$8,352/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,536/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,698
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,552
−HK$3,909/mo
Today · 4.125%
HK$151,461
baseline
▲ 0.50% · 4.625%
HK$159,445
+HK$7,984/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,922/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,695
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,383
−HK$4,762/mo
Today · 4.125%
HK$160,145
baseline
▲ 0.50% · 4.625%
HK$169,890
+HK$9,745/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$320,290/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,647
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,143
−HK$4,562/mo
Today · 4.125%
HK$176,705
baseline
▲ 0.50% · 4.625%
HK$186,019
+HK$9,314/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$353,410/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,751
−HK$12,150/mo
▼ 0.25% · 3.875%
HK$199,778
−HK$6,123/mo
Today · 4.125%
HK$205,901
baseline
▲ 0.50% · 4.625%
HK$218,430
+HK$12,529/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$411,802/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,546
−HK$11,646/mo
▼ 0.25% · 3.875%
HK$221,327
−HK$5,865/mo
Today · 4.125%
HK$227,192
baseline
▲ 0.50% · 4.625%
HK$239,167
+HK$11,975/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$454,384/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,215 · Scale 2, in force from 26 Feb 2026)