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$108,847
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,233
−HK$3,440/mo
Today · 4.125%
HK$115,673
baseline
▲ 0.50% · 4.625%
HK$122,711
+HK$7,038/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$231,346/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,092
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,339
−HK$3,295/mo
Today · 4.125%
HK$127,634
baseline
▲ 0.50% · 4.625%
HK$134,361
+HK$6,727/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$255,268/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,617
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,680
−HK$4,128/mo
Today · 4.125%
HK$138,808
baseline
▲ 0.50% · 4.625%
HK$147,254
+HK$8,446/mo
Deposit HK$19.09M · loan HK$28.64M · min. income ≈ HK$277,616/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,310
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$149,207
−HK$3,953/mo
Today · 4.125%
HK$153,160
baseline
▲ 0.50% · 4.625%
HK$161,234
+HK$8,074/mo
Deposit HK$19.09M · loan HK$28.64M · min. income ≈ HK$306,320/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,386
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,126
−HK$4,816/mo
Today · 4.125%
HK$161,942
baseline
▲ 0.50% · 4.625%
HK$171,796
+HK$9,854/mo
Deposit HK$14.32M · loan HK$33.41M · min. income ≈ HK$323,884/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,528
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$174,075
−HK$4,612/mo
Today · 4.125%
HK$178,687
baseline
▲ 0.50% · 4.625%
HK$188,106
+HK$9,419/mo
Deposit HK$14.32M · loan HK$33.41M · min. income ≈ HK$357,374/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,925
−HK$12,286/mo
▼ 0.25% · 3.875%
HK$202,019
−HK$6,192/mo
Today · 4.125%
HK$208,211
baseline
▲ 0.50% · 4.625%
HK$220,881
+HK$12,670/mo
Deposit HK$4.77M · loan HK$42.96M · min. income ≈ HK$416,422/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,965
−HK$11,776/mo
▼ 0.25% · 3.875%
HK$223,810
−HK$5,931/mo
Today · 4.125%
HK$229,741
baseline
▲ 0.50% · 4.625%
HK$241,851
+HK$12,110/mo
Deposit HK$4.77M · loan HK$42.96M · min. income ≈ HK$459,482/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,724 · Scale 2, in force from 26 Feb 2026)