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$107,687
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,037
−HK$3,403/mo
Today · 4.125%
HK$114,440
baseline
▲ 0.50% · 4.625%
HK$121,404
+HK$6,964/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$228,880/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,801
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,014
−HK$3,260/mo
Today · 4.125%
HK$126,274
baseline
▲ 0.50% · 4.625%
HK$132,930
+HK$6,656/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$252,548/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,225
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$133,245
−HK$4,083/mo
Today · 4.125%
HK$137,328
baseline
▲ 0.50% · 4.625%
HK$145,685
+HK$8,357/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$274,656/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,761
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$147,617
−HK$3,911/mo
Today · 4.125%
HK$151,528
baseline
▲ 0.50% · 4.625%
HK$159,516
+HK$7,988/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$303,056/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,762
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,452
−HK$4,765/mo
Today · 4.125%
HK$160,217
baseline
▲ 0.50% · 4.625%
HK$169,965
+HK$9,748/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$320,434/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,722
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,220
−HK$4,563/mo
Today · 4.125%
HK$176,783
baseline
▲ 0.50% · 4.625%
HK$186,102
+HK$9,319/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$353,566/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,837
−HK$12,156/mo
▼ 0.25% · 3.875%
HK$199,867
−HK$6,126/mo
Today · 4.125%
HK$205,993
baseline
▲ 0.50% · 4.625%
HK$218,527
+HK$12,534/mo
Deposit HK$4.72M · loan HK$42.50M · min. income ≈ HK$411,986/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,642
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$221,426
−HK$5,867/mo
Today · 4.125%
HK$227,293
baseline
▲ 0.50% · 4.625%
HK$239,273
+HK$11,980/mo
Deposit HK$4.72M · loan HK$42.50M · min. income ≈ HK$454,586/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,106 · Scale 2, in force from 26 Feb 2026)