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$107,905
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,261
−HK$3,411/mo
Today · 4.125%
HK$114,672
baseline
▲ 0.50% · 4.625%
HK$121,649
+HK$6,977/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$229,344/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,043
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,263
−HK$3,266/mo
Today · 4.125%
HK$126,529
baseline
▲ 0.50% · 4.625%
HK$133,198
+HK$6,669/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$253,058/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,486
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,514
−HK$4,092/mo
Today · 4.125%
HK$137,606
baseline
▲ 0.50% · 4.625%
HK$145,979
+HK$8,373/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$275,212/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,052
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,915
−HK$3,919/mo
Today · 4.125%
HK$151,834
baseline
▲ 0.50% · 4.625%
HK$159,838
+HK$8,004/mo
Deposit HK$18.93M · loan HK$28.39M · min. income ≈ HK$303,668/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,067
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$155,766
−HK$4,774/mo
Today · 4.125%
HK$160,540
baseline
▲ 0.50% · 4.625%
HK$170,309
+HK$9,769/mo
Deposit HK$14.20M · loan HK$33.12M · min. income ≈ HK$321,080/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,060
−HK$9,080/mo
▼ 0.25% · 3.875%
HK$172,568
−HK$4,572/mo
Today · 4.125%
HK$177,140
baseline
▲ 0.50% · 4.625%
HK$186,478
+HK$9,338/mo
Deposit HK$14.20M · loan HK$33.12M · min. income ≈ HK$354,280/mo (50% DSR)
Upfront cash ≈ HK$16.21M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,229
−HK$12,180/mo
▼ 0.25% · 3.875%
HK$200,271
−HK$6,138/mo
Today · 4.125%
HK$206,409
baseline
▲ 0.50% · 4.625%
HK$218,968
+HK$12,559/mo
Deposit HK$4.73M · loan HK$42.59M · min. income ≈ HK$412,818/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,078
−HK$11,674/mo
▼ 0.25% · 3.875%
HK$221,873
−HK$5,879/mo
Today · 4.125%
HK$227,752
baseline
▲ 0.50% · 4.625%
HK$239,757
+HK$12,005/mo
Deposit HK$4.73M · loan HK$42.59M · min. income ≈ HK$455,504/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,011,160 · Scale 2, in force from 26 Feb 2026)