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$108,008
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,368
−HK$3,413/mo
Today · 4.125%
HK$114,781
baseline
▲ 0.50% · 4.625%
HK$121,765
+HK$6,984/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$229,562/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,158
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,380
−HK$3,269/mo
Today · 4.125%
HK$126,649
baseline
▲ 0.50% · 4.625%
HK$133,325
+HK$6,676/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$253,298/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,609
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,641
−HK$4,096/mo
Today · 4.125%
HK$137,737
baseline
▲ 0.50% · 4.625%
HK$146,118
+HK$8,381/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$275,474/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,189
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,056
−HK$3,923/mo
Today · 4.125%
HK$151,979
baseline
▲ 0.50% · 4.625%
HK$159,990
+HK$8,011/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$303,958/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,211
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,915
−HK$4,778/mo
Today · 4.125%
HK$160,693
baseline
▲ 0.50% · 4.625%
HK$170,471
+HK$9,778/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,386/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,221
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,732
−HK$4,577/mo
Today · 4.125%
HK$177,309
baseline
▲ 0.50% · 4.625%
HK$186,655
+HK$9,346/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,618/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,414
−HK$12,192/mo
▼ 0.25% · 3.875%
HK$200,462
−HK$6,144/mo
Today · 4.125%
HK$206,606
baseline
▲ 0.50% · 4.625%
HK$219,177
+HK$12,571/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$413,212/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,284
−HK$11,685/mo
▼ 0.25% · 3.875%
HK$222,084
−HK$5,885/mo
Today · 4.125%
HK$227,969
baseline
▲ 0.50% · 4.625%
HK$239,986
+HK$12,017/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$455,938/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,079 · Scale 2, in force from 26 Feb 2026)