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$108,979
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,369
−HK$3,444/mo
Today · 4.125%
HK$115,813
baseline
▲ 0.50% · 4.625%
HK$122,860
+HK$7,047/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$231,626/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,238
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,490
−HK$3,298/mo
Today · 4.125%
HK$127,788
baseline
▲ 0.50% · 4.625%
HK$134,524
+HK$6,736/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$255,576/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,775
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,843
−HK$4,133/mo
Today · 4.125%
HK$138,976
baseline
▲ 0.50% · 4.625%
HK$147,432
+HK$8,456/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$277,952/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,486
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,388
−HK$3,958/mo
Today · 4.125%
HK$153,346
baseline
▲ 0.50% · 4.625%
HK$161,429
+HK$8,083/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$306,692/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,571
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$157,316
−HK$4,822/mo
Today · 4.125%
HK$162,138
baseline
▲ 0.50% · 4.625%
HK$172,004
+HK$9,866/mo
Deposit HK$14.34M · loan HK$33.45M · min. income ≈ HK$324,276/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,733
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$174,285
−HK$4,618/mo
Today · 4.125%
HK$178,903
baseline
▲ 0.50% · 4.625%
HK$188,334
+HK$9,431/mo
Deposit HK$14.34M · loan HK$33.45M · min. income ≈ HK$357,806/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,162
−HK$12,301/mo
▼ 0.25% · 3.875%
HK$202,264
−HK$6,199/mo
Today · 4.125%
HK$208,463
baseline
▲ 0.50% · 4.625%
HK$221,148
+HK$12,685/mo
Deposit HK$4.78M · loan HK$43.01M · min. income ≈ HK$416,926/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,229
−HK$11,790/mo
▼ 0.25% · 3.875%
HK$224,081
−HK$5,938/mo
Today · 4.125%
HK$230,019
baseline
▲ 0.50% · 4.625%
HK$242,143
+HK$12,124/mo
Deposit HK$4.78M · loan HK$43.01M · min. income ≈ HK$460,038/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,179 · Scale 2, in force from 26 Feb 2026)