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$107,902
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,259
−HK$3,410/mo
Today · 4.125%
HK$114,669
baseline
▲ 0.50% · 4.625%
HK$121,646
+HK$6,977/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$229,338/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,040
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,259
−HK$3,266/mo
Today · 4.125%
HK$126,525
baseline
▲ 0.50% · 4.625%
HK$133,195
+HK$6,670/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$253,050/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,483
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,510
−HK$4,092/mo
Today · 4.125%
HK$137,602
baseline
▲ 0.50% · 4.625%
HK$145,975
+HK$8,373/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$275,204/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,048
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,911
−HK$3,920/mo
Today · 4.125%
HK$151,831
baseline
▲ 0.50% · 4.625%
HK$159,834
+HK$8,003/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$303,662/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,063
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$155,762
−HK$4,774/mo
Today · 4.125%
HK$160,536
baseline
▲ 0.50% · 4.625%
HK$170,304
+HK$9,768/mo
Deposit HK$14.20M · loan HK$33.12M · min. income ≈ HK$321,072/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,056
−HK$9,080/mo
▼ 0.25% · 3.875%
HK$172,563
−HK$4,573/mo
Today · 4.125%
HK$177,136
baseline
▲ 0.50% · 4.625%
HK$186,473
+HK$9,337/mo
Deposit HK$14.20M · loan HK$33.12M · min. income ≈ HK$354,272/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,224
−HK$12,179/mo
▼ 0.25% · 3.875%
HK$200,265
−HK$6,138/mo
Today · 4.125%
HK$206,403
baseline
▲ 0.50% · 4.625%
HK$218,963
+HK$12,560/mo
Deposit HK$4.73M · loan HK$42.59M · min. income ≈ HK$412,806/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,072
−HK$11,674/mo
▼ 0.25% · 3.875%
HK$221,867
−HK$5,879/mo
Today · 4.125%
HK$227,746
baseline
▲ 0.50% · 4.625%
HK$239,751
+HK$12,005/mo
Deposit HK$4.73M · loan HK$42.59M · min. income ≈ HK$455,492/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,011,109 · Scale 2, in force from 26 Feb 2026)