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$108,856
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,242
−HK$3,440/mo
Today · 4.125%
HK$115,682
baseline
▲ 0.50% · 4.625%
HK$122,721
+HK$7,039/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$231,364/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,101
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,349
−HK$3,295/mo
Today · 4.125%
HK$127,644
baseline
▲ 0.50% · 4.625%
HK$134,372
+HK$6,728/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$255,288/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,627
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,691
−HK$4,128/mo
Today · 4.125%
HK$138,819
baseline
▲ 0.50% · 4.625%
HK$147,266
+HK$8,447/mo
Deposit HK$19.10M · loan HK$28.64M · min. income ≈ HK$277,638/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,322
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,219
−HK$3,954/mo
Today · 4.125%
HK$153,173
baseline
▲ 0.50% · 4.625%
HK$161,247
+HK$8,074/mo
Deposit HK$19.10M · loan HK$28.64M · min. income ≈ HK$306,346/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,399
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,139
−HK$4,816/mo
Today · 4.125%
HK$161,955
baseline
▲ 0.50% · 4.625%
HK$171,810
+HK$9,855/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$323,910/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,542
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$174,089
−HK$4,613/mo
Today · 4.125%
HK$178,702
baseline
▲ 0.50% · 4.625%
HK$188,121
+HK$9,419/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$357,404/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,941
−HK$12,287/mo
▼ 0.25% · 3.875%
HK$202,036
−HK$6,192/mo
Today · 4.125%
HK$208,228
baseline
▲ 0.50% · 4.625%
HK$220,899
+HK$12,671/mo
Deposit HK$4.77M · loan HK$42.96M · min. income ≈ HK$416,456/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,983
−HK$11,777/mo
▼ 0.25% · 3.875%
HK$223,829
−HK$5,931/mo
Today · 4.125%
HK$229,760
baseline
▲ 0.50% · 4.625%
HK$241,870
+HK$12,110/mo
Deposit HK$4.77M · loan HK$42.96M · min. income ≈ HK$459,520/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,890 · Scale 2, in force from 26 Feb 2026)