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$108,920
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,308
−HK$3,442/mo
Today · 4.125%
HK$115,750
baseline
▲ 0.50% · 4.625%
HK$122,793
+HK$7,043/mo
Deposit HK$23.88M · loan HK$23.88M · min. income ≈ HK$231,500/mo (50% DSR)
Upfront cash ≈ HK$25.91M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,172
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,422
−HK$3,297/mo
Today · 4.125%
HK$127,719
baseline
▲ 0.50% · 4.625%
HK$134,451
+HK$6,732/mo
Deposit HK$23.88M · loan HK$23.88M · min. income ≈ HK$255,438/mo (50% DSR)
Upfront cash ≈ HK$25.91M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,704
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,769
−HK$4,131/mo
Today · 4.125%
HK$138,900
baseline
▲ 0.50% · 4.625%
HK$147,352
+HK$8,452/mo
Deposit HK$19.11M · loan HK$28.66M · min. income ≈ HK$277,800/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,407
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$149,306
−HK$3,957/mo
Today · 4.125%
HK$153,263
baseline
▲ 0.50% · 4.625%
HK$161,341
+HK$8,078/mo
Deposit HK$19.11M · loan HK$28.66M · min. income ≈ HK$306,526/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,488
−HK$9,562/mo
▼ 0.25% · 3.875%
HK$157,231
−HK$4,819/mo
Today · 4.125%
HK$162,050
baseline
▲ 0.50% · 4.625%
HK$171,911
+HK$9,861/mo
Deposit HK$14.33M · loan HK$33.44M · min. income ≈ HK$324,100/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,641
−HK$9,165/mo
▼ 0.25% · 3.875%
HK$174,191
−HK$4,615/mo
Today · 4.125%
HK$178,806
baseline
▲ 0.50% · 4.625%
HK$188,231
+HK$9,425/mo
Deposit HK$14.33M · loan HK$33.44M · min. income ≈ HK$357,612/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,056
−HK$12,294/mo
▼ 0.25% · 3.875%
HK$202,154
−HK$6,196/mo
Today · 4.125%
HK$208,350
baseline
▲ 0.50% · 4.625%
HK$221,028
+HK$12,678/mo
Deposit HK$4.78M · loan HK$42.99M · min. income ≈ HK$416,700/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,110
−HK$11,784/mo
▼ 0.25% · 3.875%
HK$223,960
−HK$5,934/mo
Today · 4.125%
HK$229,894
baseline
▲ 0.50% · 4.625%
HK$242,012
+HK$12,118/mo
Deposit HK$4.78M · loan HK$42.99M · min. income ≈ HK$459,788/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,077 · Scale 2, in force from 26 Feb 2026)