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$107,776
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,128
−HK$3,406/mo
Today · 4.125%
HK$114,534
baseline
▲ 0.50% · 4.625%
HK$121,503
+HK$6,969/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$229,068/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,900
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,115
−HK$3,262/mo
Today · 4.125%
HK$126,377
baseline
▲ 0.50% · 4.625%
HK$133,039
+HK$6,662/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$252,754/mo (50% DSR)
Upfront cash ≈ HK$25.64M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,331
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$133,354
−HK$4,087/mo
Today · 4.125%
HK$137,441
baseline
▲ 0.50% · 4.625%
HK$145,804
+HK$8,363/mo
Deposit HK$18.91M · loan HK$28.36M · min. income ≈ HK$274,882/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,879
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,738
−HK$3,915/mo
Today · 4.125%
HK$151,653
baseline
▲ 0.50% · 4.625%
HK$159,647
+HK$7,994/mo
Deposit HK$18.91M · loan HK$28.36M · min. income ≈ HK$303,306/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,886
−HK$9,462/mo
▼ 0.25% · 3.875%
HK$155,580
−HK$4,768/mo
Today · 4.125%
HK$160,348
baseline
▲ 0.50% · 4.625%
HK$170,105
+HK$9,757/mo
Deposit HK$14.18M · loan HK$33.09M · min. income ≈ HK$320,696/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,859
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,361
−HK$4,567/mo
Today · 4.125%
HK$176,928
baseline
▲ 0.50% · 4.625%
HK$186,254
+HK$9,326/mo
Deposit HK$14.18M · loan HK$33.09M · min. income ≈ HK$353,856/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,996
−HK$12,166/mo
▼ 0.25% · 3.875%
HK$200,031
−HK$6,131/mo
Today · 4.125%
HK$206,162
baseline
▲ 0.50% · 4.625%
HK$218,706
+HK$12,544/mo
Deposit HK$4.73M · loan HK$42.54M · min. income ≈ HK$412,324/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,819
−HK$11,660/mo
▼ 0.25% · 3.875%
HK$221,607
−HK$5,872/mo
Today · 4.125%
HK$227,479
baseline
▲ 0.50% · 4.625%
HK$239,470
+HK$11,991/mo
Deposit HK$4.73M · loan HK$42.54M · min. income ≈ HK$454,958/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,008,754 · Scale 2, in force from 26 Feb 2026)