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$107,881
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,236
−HK$3,410/mo
Today · 4.125%
HK$114,646
baseline
▲ 0.50% · 4.625%
HK$121,622
+HK$6,976/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$229,292/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,016
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,235
−HK$3,265/mo
Today · 4.125%
HK$126,500
baseline
▲ 0.50% · 4.625%
HK$133,168
+HK$6,668/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$253,000/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,457
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,483
−HK$4,092/mo
Today · 4.125%
HK$137,575
baseline
▲ 0.50% · 4.625%
HK$145,946
+HK$8,371/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$275,150/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,019
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,882
−HK$3,918/mo
Today · 4.125%
HK$151,800
baseline
▲ 0.50% · 4.625%
HK$159,802
+HK$8,002/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$303,600/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,033
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$155,731
−HK$4,773/mo
Today · 4.125%
HK$160,504
baseline
▲ 0.50% · 4.625%
HK$170,270
+HK$9,766/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$321,008/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,022
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$172,529
−HK$4,571/mo
Today · 4.125%
HK$177,100
baseline
▲ 0.50% · 4.625%
HK$186,435
+HK$9,335/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$354,200/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,185
−HK$12,177/mo
▼ 0.25% · 3.875%
HK$200,225
−HK$6,137/mo
Today · 4.125%
HK$206,362
baseline
▲ 0.50% · 4.625%
HK$218,919
+HK$12,557/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$412,724/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,029
−HK$11,671/mo
▼ 0.25% · 3.875%
HK$221,823
−HK$5,877/mo
Today · 4.125%
HK$227,700
baseline
▲ 0.50% · 4.625%
HK$239,703
+HK$12,003/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$455,400/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,706 · Scale 2, in force from 26 Feb 2026)