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$107,856
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,211
−HK$3,408/mo
Today · 4.125%
HK$114,619
baseline
▲ 0.50% · 4.625%
HK$121,594
+HK$6,975/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,238/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,988
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,207
−HK$3,264/mo
Today · 4.125%
HK$126,471
baseline
▲ 0.50% · 4.625%
HK$133,138
+HK$6,667/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,942/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,427
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,453
−HK$4,090/mo
Today · 4.125%
HK$137,543
baseline
▲ 0.50% · 4.625%
HK$145,912
+HK$8,369/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$275,086/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,986
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,848
−HK$3,917/mo
Today · 4.125%
HK$151,765
baseline
▲ 0.50% · 4.625%
HK$159,765
+HK$8,000/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$303,530/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,998
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,695
−HK$4,772/mo
Today · 4.125%
HK$160,467
baseline
▲ 0.50% · 4.625%
HK$170,231
+HK$9,764/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$320,934/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,984
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,489
−HK$4,571/mo
Today · 4.125%
HK$177,060
baseline
▲ 0.50% · 4.625%
HK$186,393
+HK$9,333/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$354,120/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,140
−HK$12,175/mo
▼ 0.25% · 3.875%
HK$200,179
−HK$6,136/mo
Today · 4.125%
HK$206,315
baseline
▲ 0.50% · 4.625%
HK$218,868
+HK$12,553/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$412,630/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,979
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,772
−HK$5,876/mo
Today · 4.125%
HK$227,648
baseline
▲ 0.50% · 4.625%
HK$239,648
+HK$12,000/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$455,296/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,244 · Scale 2, in force from 26 Feb 2026)