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$107,645
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,993
−HK$3,402/mo
Today · 4.125%
HK$114,395
baseline
▲ 0.50% · 4.625%
HK$121,356
+HK$6,961/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,790/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,754
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,965
−HK$3,259/mo
Today · 4.125%
HK$126,224
baseline
▲ 0.50% · 4.625%
HK$132,877
+HK$6,653/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,448/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,174
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$133,192
−HK$4,082/mo
Today · 4.125%
HK$137,274
baseline
▲ 0.50% · 4.625%
HK$145,627
+HK$8,353/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,548/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,704
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,558
−HK$3,910/mo
Today · 4.125%
HK$151,468
baseline
▲ 0.50% · 4.625%
HK$159,452
+HK$7,984/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,936/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,703
−HK$9,450/mo
▼ 0.25% · 3.875%
HK$155,390
−HK$4,763/mo
Today · 4.125%
HK$160,153
baseline
▲ 0.50% · 4.625%
HK$169,898
+HK$9,745/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$320,306/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,655
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,152
−HK$4,561/mo
Today · 4.125%
HK$176,713
baseline
▲ 0.50% · 4.625%
HK$186,028
+HK$9,315/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$353,426/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,760
−HK$12,151/mo
▼ 0.25% · 3.875%
HK$199,788
−HK$6,123/mo
Today · 4.125%
HK$205,911
baseline
▲ 0.50% · 4.625%
HK$218,440
+HK$12,529/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$411,822/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,557
−HK$11,645/mo
▼ 0.25% · 3.875%
HK$221,338
−HK$5,864/mo
Today · 4.125%
HK$227,202
baseline
▲ 0.50% · 4.625%
HK$239,179
+HK$11,977/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$454,404/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,310 · Scale 2, in force from 26 Feb 2026)