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$108,763
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,146
−HK$3,437/mo
Today · 4.125%
HK$115,583
baseline
▲ 0.50% · 4.625%
HK$122,616
+HK$7,033/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,166/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,997
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,243
−HK$3,292/mo
Today · 4.125%
HK$127,535
baseline
▲ 0.50% · 4.625%
HK$134,257
+HK$6,722/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,070/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,515
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,575
−HK$4,125/mo
Today · 4.125%
HK$138,700
baseline
▲ 0.50% · 4.625%
HK$147,139
+HK$8,439/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,400/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,197
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,091
−HK$3,950/mo
Today · 4.125%
HK$153,041
baseline
▲ 0.50% · 4.625%
HK$161,109
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,082/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,268
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$157,004
−HK$4,812/mo
Today · 4.125%
HK$161,816
baseline
▲ 0.50% · 4.625%
HK$171,663
+HK$9,847/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,632/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,396
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,940
−HK$4,608/mo
Today · 4.125%
HK$178,548
baseline
▲ 0.50% · 4.625%
HK$187,960
+HK$9,412/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,096/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,773
−HK$12,277/mo
▼ 0.25% · 3.875%
HK$201,863
−HK$6,187/mo
Today · 4.125%
HK$208,050
baseline
▲ 0.50% · 4.625%
HK$220,709
+HK$12,659/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,100/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,795
−HK$11,767/mo
▼ 0.25% · 3.875%
HK$223,637
−HK$5,925/mo
Today · 4.125%
HK$229,562
baseline
▲ 0.50% · 4.625%
HK$241,663
+HK$12,101/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,124/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,148 · Scale 2, in force from 26 Feb 2026)