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$107,646
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,994
−HK$3,402/mo
Today · 4.125%
HK$114,396
baseline
▲ 0.50% · 4.625%
HK$121,357
+HK$6,961/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,792/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,755
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,966
−HK$3,259/mo
Today · 4.125%
HK$126,225
baseline
▲ 0.50% · 4.625%
HK$132,878
+HK$6,653/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,450/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,175
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,193
−HK$4,082/mo
Today · 4.125%
HK$137,275
baseline
▲ 0.50% · 4.625%
HK$145,628
+HK$8,353/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,550/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,706
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,560
−HK$3,910/mo
Today · 4.125%
HK$151,470
baseline
▲ 0.50% · 4.625%
HK$159,454
+HK$7,984/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,940/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,704
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,392
−HK$4,762/mo
Today · 4.125%
HK$160,154
baseline
▲ 0.50% · 4.625%
HK$169,899
+HK$9,745/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$320,308/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,657
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,153
−HK$4,562/mo
Today · 4.125%
HK$176,715
baseline
▲ 0.50% · 4.625%
HK$186,029
+HK$9,314/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$353,430/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,762
−HK$12,151/mo
▼ 0.25% · 3.875%
HK$199,789
−HK$6,124/mo
Today · 4.125%
HK$205,913
baseline
▲ 0.50% · 4.625%
HK$218,442
+HK$12,529/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$411,826/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,558
−HK$11,646/mo
▼ 0.25% · 3.875%
HK$221,340
−HK$5,864/mo
Today · 4.125%
HK$227,204
baseline
▲ 0.50% · 4.625%
HK$239,181
+HK$11,977/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$454,408/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,327 · Scale 2, in force from 26 Feb 2026)