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$107,886
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,242
−HK$3,410/mo
Today · 4.125%
HK$114,652
baseline
▲ 0.50% · 4.625%
HK$121,628
+HK$6,976/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$229,304/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,023
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,242
−HK$3,265/mo
Today · 4.125%
HK$126,507
baseline
▲ 0.50% · 4.625%
HK$133,175
+HK$6,668/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$253,014/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,464
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,491
−HK$4,091/mo
Today · 4.125%
HK$137,582
baseline
▲ 0.50% · 4.625%
HK$145,954
+HK$8,372/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$275,164/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,027
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,890
−HK$3,918/mo
Today · 4.125%
HK$151,808
baseline
▲ 0.50% · 4.625%
HK$159,810
+HK$8,002/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$303,616/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,041
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$155,739
−HK$4,774/mo
Today · 4.125%
HK$160,513
baseline
▲ 0.50% · 4.625%
HK$170,279
+HK$9,766/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$321,026/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,032
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$172,538
−HK$4,572/mo
Today · 4.125%
HK$177,110
baseline
▲ 0.50% · 4.625%
HK$186,446
+HK$9,336/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$354,220/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,196
−HK$12,177/mo
▼ 0.25% · 3.875%
HK$200,236
−HK$6,137/mo
Today · 4.125%
HK$206,373
baseline
▲ 0.50% · 4.625%
HK$218,931
+HK$12,558/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$412,746/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,041
−HK$11,672/mo
▼ 0.25% · 3.875%
HK$221,835
−HK$5,878/mo
Today · 4.125%
HK$227,713
baseline
▲ 0.50% · 4.625%
HK$239,716
+HK$12,003/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$455,426/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,815 · Scale 2, in force from 26 Feb 2026)