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$107,419
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,760
−HK$3,395/mo
Today · 4.125%
HK$114,155
baseline
▲ 0.50% · 4.625%
HK$121,101
+HK$6,946/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$228,310/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,502
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,707
−HK$3,252/mo
Today · 4.125%
HK$125,959
baseline
▲ 0.50% · 4.625%
HK$132,598
+HK$6,639/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$251,918/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,903
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,912
−HK$4,074/mo
Today · 4.125%
HK$136,986
baseline
▲ 0.50% · 4.625%
HK$145,321
+HK$8,335/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$273,972/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,403
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,249
−HK$3,901/mo
Today · 4.125%
HK$151,150
baseline
▲ 0.50% · 4.625%
HK$159,118
+HK$7,968/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$302,300/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,386
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$155,064
−HK$4,753/mo
Today · 4.125%
HK$159,817
baseline
▲ 0.50% · 4.625%
HK$169,541
+HK$9,724/mo
Deposit HK$14.13M · loan HK$32.98M · min. income ≈ HK$319,634/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,303
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$171,790
−HK$4,552/mo
Today · 4.125%
HK$176,342
baseline
▲ 0.50% · 4.625%
HK$185,637
+HK$9,295/mo
Deposit HK$14.13M · loan HK$32.98M · min. income ≈ HK$352,684/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,354
−HK$12,125/mo
▼ 0.25% · 3.875%
HK$199,368
−HK$6,111/mo
Today · 4.125%
HK$205,479
baseline
▲ 0.50% · 4.625%
HK$217,982
+HK$12,503/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$410,958/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,104
−HK$11,622/mo
▼ 0.25% · 3.875%
HK$220,873
−HK$5,853/mo
Today · 4.125%
HK$226,726
baseline
▲ 0.50% · 4.625%
HK$238,677
+HK$11,951/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$453,452/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,099 · Scale 2, in force from 26 Feb 2026)