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$107,453
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,795
−HK$3,396/mo
Today · 4.125%
HK$114,191
baseline
▲ 0.50% · 4.625%
HK$121,139
+HK$6,948/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$228,382/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,540
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,746
−HK$3,252/mo
Today · 4.125%
HK$125,998
baseline
▲ 0.50% · 4.625%
HK$132,640
+HK$6,642/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$251,996/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,943
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$132,954
−HK$4,075/mo
Today · 4.125%
HK$137,029
baseline
▲ 0.50% · 4.625%
HK$145,367
+HK$8,338/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$274,058/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,448
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$147,295
−HK$3,903/mo
Today · 4.125%
HK$151,198
baseline
▲ 0.50% · 4.625%
HK$159,168
+HK$7,970/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$302,396/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,434
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$155,113
−HK$4,754/mo
Today · 4.125%
HK$159,867
baseline
▲ 0.50% · 4.625%
HK$169,595
+HK$9,728/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$319,734/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,356
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$171,845
−HK$4,553/mo
Today · 4.125%
HK$176,398
baseline
▲ 0.50% · 4.625%
HK$185,696
+HK$9,298/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$352,796/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,415
−HK$12,129/mo
▼ 0.25% · 3.875%
HK$199,431
−HK$6,113/mo
Today · 4.125%
HK$205,544
baseline
▲ 0.50% · 4.625%
HK$218,051
+HK$12,507/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$411,088/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,172
−HK$11,625/mo
▼ 0.25% · 3.875%
HK$220,943
−HK$5,854/mo
Today · 4.125%
HK$226,797
baseline
▲ 0.50% · 4.625%
HK$238,752
+HK$11,955/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$453,594/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,002,732 · Scale 2, in force from 26 Feb 2026)