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$108,812
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,197
−HK$3,438/mo
Today · 4.125%
HK$115,635
baseline
▲ 0.50% · 4.625%
HK$122,672
+HK$7,037/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$231,270/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,052
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,299
−HK$3,293/mo
Today · 4.125%
HK$127,592
baseline
▲ 0.50% · 4.625%
HK$134,318
+HK$6,726/mo
Deposit HK$23.86M · loan HK$23.86M · min. income ≈ HK$255,184/mo (50% DSR)
Upfront cash ≈ HK$25.89M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,574
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,636
−HK$4,127/mo
Today · 4.125%
HK$138,763
baseline
▲ 0.50% · 4.625%
HK$147,206
+HK$8,443/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$277,526/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,263
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,159
−HK$3,952/mo
Today · 4.125%
HK$153,111
baseline
▲ 0.50% · 4.625%
HK$161,181
+HK$8,070/mo
Deposit HK$19.09M · loan HK$28.63M · min. income ≈ HK$306,222/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,337
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,075
−HK$4,815/mo
Today · 4.125%
HK$161,890
baseline
▲ 0.50% · 4.625%
HK$171,740
+HK$9,850/mo
Deposit HK$14.32M · loan HK$33.40M · min. income ≈ HK$323,780/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,473
−HK$9,156/mo
▼ 0.25% · 3.875%
HK$174,018
−HK$4,611/mo
Today · 4.125%
HK$178,629
baseline
▲ 0.50% · 4.625%
HK$188,045
+HK$9,416/mo
Deposit HK$14.32M · loan HK$33.40M · min. income ≈ HK$357,258/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,862
−HK$12,282/mo
▼ 0.25% · 3.875%
HK$201,954
−HK$6,190/mo
Today · 4.125%
HK$208,144
baseline
▲ 0.50% · 4.625%
HK$220,809
+HK$12,665/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$416,288/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,894
−HK$11,772/mo
▼ 0.25% · 3.875%
HK$223,738
−HK$5,928/mo
Today · 4.125%
HK$229,666
baseline
▲ 0.50% · 4.625%
HK$241,772
+HK$12,106/mo
Deposit HK$4.77M · loan HK$42.95M · min. income ≈ HK$459,332/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,066 · Scale 2, in force from 26 Feb 2026)