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$107,563
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,909
−HK$3,400/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$121,264
+HK$6,955/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,663
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,872
−HK$3,256/mo
Today · 4.125%
HK$126,128
baseline
▲ 0.50% · 4.625%
HK$132,777
+HK$6,649/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$252,256/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,076
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,091
−HK$4,079/mo
Today · 4.125%
HK$137,170
baseline
▲ 0.50% · 4.625%
HK$145,517
+HK$8,347/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$274,340/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,596
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,447
−HK$3,907/mo
Today · 4.125%
HK$151,354
baseline
▲ 0.50% · 4.625%
HK$159,332
+HK$7,978/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$302,708/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,589
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$155,273
−HK$4,759/mo
Today · 4.125%
HK$160,032
baseline
▲ 0.50% · 4.625%
HK$169,770
+HK$9,738/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$320,064/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,528
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$172,021
−HK$4,559/mo
Today · 4.125%
HK$176,580
baseline
▲ 0.50% · 4.625%
HK$185,887
+HK$9,307/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$353,160/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,614
−HK$12,141/mo
▼ 0.25% · 3.875%
HK$199,637
−HK$6,118/mo
Today · 4.125%
HK$205,755
baseline
▲ 0.50% · 4.625%
HK$218,275
+HK$12,520/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$411,510/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,394
−HK$11,637/mo
▼ 0.25% · 3.875%
HK$221,170
−HK$5,861/mo
Today · 4.125%
HK$227,031
baseline
▲ 0.50% · 4.625%
HK$238,998
+HK$11,967/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$454,062/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,794 · Scale 2, in force from 26 Feb 2026)