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$108,001
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,360
−HK$3,413/mo
Today · 4.125%
HK$114,773
baseline
▲ 0.50% · 4.625%
HK$121,757
+HK$6,984/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$229,546/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,149
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,372
−HK$3,269/mo
Today · 4.125%
HK$126,641
baseline
▲ 0.50% · 4.625%
HK$133,316
+HK$6,675/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$253,282/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,601
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$133,632
−HK$4,096/mo
Today · 4.125%
HK$137,728
baseline
▲ 0.50% · 4.625%
HK$146,108
+HK$8,380/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$275,456/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,179
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,046
−HK$3,923/mo
Today · 4.125%
HK$151,969
baseline
▲ 0.50% · 4.625%
HK$159,979
+HK$8,010/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$303,938/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,201
−HK$9,481/mo
▼ 0.25% · 3.875%
HK$155,904
−HK$4,778/mo
Today · 4.125%
HK$160,682
baseline
▲ 0.50% · 4.625%
HK$170,459
+HK$9,777/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$321,364/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,209
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,721
−HK$4,576/mo
Today · 4.125%
HK$177,297
baseline
▲ 0.50% · 4.625%
HK$186,643
+HK$9,346/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$354,594/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,401
−HK$12,191/mo
▼ 0.25% · 3.875%
HK$200,448
−HK$6,144/mo
Today · 4.125%
HK$206,592
baseline
▲ 0.50% · 4.625%
HK$219,162
+HK$12,570/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$413,184/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,269
−HK$11,684/mo
▼ 0.25% · 3.875%
HK$222,069
−HK$5,884/mo
Today · 4.125%
HK$227,953
baseline
▲ 0.50% · 4.625%
HK$239,969
+HK$12,016/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$455,906/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,941 · Scale 2, in force from 26 Feb 2026)