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$107,851
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,206
−HK$3,409/mo
Today · 4.125%
HK$114,615
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,974/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,230/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,984
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,201
−HK$3,265/mo
Today · 4.125%
HK$126,466
baseline
▲ 0.50% · 4.625%
HK$133,132
+HK$6,666/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,932/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,422
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,447
−HK$4,090/mo
Today · 4.125%
HK$137,537
baseline
▲ 0.50% · 4.625%
HK$145,906
+HK$8,369/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$275,074/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,980
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,842
−HK$3,917/mo
Today · 4.125%
HK$151,759
baseline
▲ 0.50% · 4.625%
HK$159,758
+HK$7,999/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$303,518/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,992
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,689
−HK$4,771/mo
Today · 4.125%
HK$160,460
baseline
▲ 0.50% · 4.625%
HK$170,224
+HK$9,764/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$320,920/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,977
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,482
−HK$4,570/mo
Today · 4.125%
HK$177,052
baseline
▲ 0.50% · 4.625%
HK$186,385
+HK$9,333/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$354,104/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,132
−HK$12,174/mo
▼ 0.25% · 3.875%
HK$200,171
−HK$6,135/mo
Today · 4.125%
HK$206,306
baseline
▲ 0.50% · 4.625%
HK$218,859
+HK$12,553/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$412,612/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,970
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,763
−HK$5,876/mo
Today · 4.125%
HK$227,639
baseline
▲ 0.50% · 4.625%
HK$239,638
+HK$11,999/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$455,278/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,161 · Scale 2, in force from 26 Feb 2026)