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$107,326
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,664
−HK$3,392/mo
Today · 4.125%
HK$114,056
baseline
▲ 0.50% · 4.625%
HK$120,996
+HK$6,940/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$228,112/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,399
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,601
−HK$3,249/mo
Today · 4.125%
HK$125,850
baseline
▲ 0.50% · 4.625%
HK$132,483
+HK$6,633/mo
Deposit HK$23.53M · loan HK$23.53M · min. income ≈ HK$251,700/mo (50% DSR)
Upfront cash ≈ HK$25.53M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,791
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,797
−HK$4,070/mo
Today · 4.125%
HK$136,867
baseline
▲ 0.50% · 4.625%
HK$145,195
+HK$8,328/mo
Deposit HK$18.83M · loan HK$28.24M · min. income ≈ HK$273,734/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,279
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,121
−HK$3,899/mo
Today · 4.125%
HK$151,020
baseline
▲ 0.50% · 4.625%
HK$158,980
+HK$7,960/mo
Deposit HK$18.83M · loan HK$28.24M · min. income ≈ HK$302,040/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,256
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,930
−HK$4,749/mo
Today · 4.125%
HK$159,679
baseline
▲ 0.50% · 4.625%
HK$169,395
+HK$9,716/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$319,358/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,159
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$171,642
−HK$4,548/mo
Today · 4.125%
HK$176,190
baseline
▲ 0.50% · 4.625%
HK$185,477
+HK$9,287/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$352,380/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,187
−HK$12,114/mo
▼ 0.25% · 3.875%
HK$199,196
−HK$6,105/mo
Today · 4.125%
HK$205,301
baseline
▲ 0.50% · 4.625%
HK$217,793
+HK$12,492/mo
Deposit HK$4.71M · loan HK$42.36M · min. income ≈ HK$410,602/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,918
−HK$11,612/mo
▼ 0.25% · 3.875%
HK$220,682
−HK$5,848/mo
Today · 4.125%
HK$226,530
baseline
▲ 0.50% · 4.625%
HK$238,470
+HK$11,940/mo
Deposit HK$4.71M · loan HK$42.36M · min. income ≈ HK$453,060/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,368 · Scale 2, in force from 26 Feb 2026)