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$107,546
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,891
−HK$3,399/mo
Today · 4.125%
HK$114,290
baseline
▲ 0.50% · 4.625%
HK$121,244
+HK$6,954/mo
Deposit HK$23.58M · loan HK$23.58M · min. income ≈ HK$228,580/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,644
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,853
−HK$3,255/mo
Today · 4.125%
HK$126,108
baseline
▲ 0.50% · 4.625%
HK$132,755
+HK$6,647/mo
Deposit HK$23.58M · loan HK$23.58M · min. income ≈ HK$252,216/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,055
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,069
−HK$4,079/mo
Today · 4.125%
HK$137,148
baseline
▲ 0.50% · 4.625%
HK$145,493
+HK$8,345/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$274,296/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,573
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,423
−HK$3,906/mo
Today · 4.125%
HK$151,329
baseline
▲ 0.50% · 4.625%
HK$159,306
+HK$7,977/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$302,658/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,564
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$155,248
−HK$4,758/mo
Today · 4.125%
HK$160,006
baseline
▲ 0.50% · 4.625%
HK$169,742
+HK$9,736/mo
Deposit HK$14.15M · loan HK$33.01M · min. income ≈ HK$320,012/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,501
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$171,994
−HK$4,557/mo
Today · 4.125%
HK$176,551
baseline
▲ 0.50% · 4.625%
HK$185,857
+HK$9,306/mo
Deposit HK$14.15M · loan HK$33.01M · min. income ≈ HK$353,102/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,583
−HK$12,139/mo
▼ 0.25% · 3.875%
HK$199,604
−HK$6,118/mo
Today · 4.125%
HK$205,722
baseline
▲ 0.50% · 4.625%
HK$218,240
+HK$12,518/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$411,444/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,359
−HK$11,635/mo
▼ 0.25% · 3.875%
HK$221,135
−HK$5,859/mo
Today · 4.125%
HK$226,994
baseline
▲ 0.50% · 4.625%
HK$238,959
+HK$11,965/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$453,988/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,469 · Scale 2, in force from 26 Feb 2026)