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$107,879
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,234
−HK$3,410/mo
Today · 4.125%
HK$114,644
baseline
▲ 0.50% · 4.625%
HK$121,619
+HK$6,975/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,288/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,014
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,233
−HK$3,265/mo
Today · 4.125%
HK$126,498
baseline
▲ 0.50% · 4.625%
HK$133,166
+HK$6,668/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,996/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,454
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,481
−HK$4,091/mo
Today · 4.125%
HK$137,572
baseline
▲ 0.50% · 4.625%
HK$145,943
+HK$8,371/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$275,144/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,017
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$147,879
−HK$3,918/mo
Today · 4.125%
HK$151,797
baseline
▲ 0.50% · 4.625%
HK$159,799
+HK$8,002/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$303,594/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,030
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$155,728
−HK$4,773/mo
Today · 4.125%
HK$160,501
baseline
▲ 0.50% · 4.625%
HK$170,267
+HK$9,766/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$321,002/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,019
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$172,526
−HK$4,571/mo
Today · 4.125%
HK$177,097
baseline
▲ 0.50% · 4.625%
HK$186,432
+HK$9,335/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$354,194/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,182
−HK$12,176/mo
▼ 0.25% · 3.875%
HK$200,222
−HK$6,136/mo
Today · 4.125%
HK$206,358
baseline
▲ 0.50% · 4.625%
HK$218,915
+HK$12,557/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$412,716/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,025
−HK$11,671/mo
▼ 0.25% · 3.875%
HK$221,819
−HK$5,877/mo
Today · 4.125%
HK$227,696
baseline
▲ 0.50% · 4.625%
HK$239,698
+HK$12,002/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$455,392/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,670 · Scale 2, in force from 26 Feb 2026)