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$107,631
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,979
−HK$3,401/mo
Today · 4.125%
HK$114,380
baseline
▲ 0.50% · 4.625%
HK$121,340
+HK$6,960/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,760/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,738
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,949
−HK$3,258/mo
Today · 4.125%
HK$126,207
baseline
▲ 0.50% · 4.625%
HK$132,860
+HK$6,653/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,414/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,157
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,174
−HK$4,082/mo
Today · 4.125%
HK$137,256
baseline
▲ 0.50% · 4.625%
HK$145,608
+HK$8,352/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,512/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,686
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,539
−HK$3,910/mo
Today · 4.125%
HK$151,449
baseline
▲ 0.50% · 4.625%
HK$159,432
+HK$7,983/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,898/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,683
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,370
−HK$4,762/mo
Today · 4.125%
HK$160,132
baseline
▲ 0.50% · 4.625%
HK$169,876
+HK$9,744/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$320,264/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,633
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,129
−HK$4,561/mo
Today · 4.125%
HK$176,690
baseline
▲ 0.50% · 4.625%
HK$186,004
+HK$9,314/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$353,380/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,735
−HK$12,149/mo
▼ 0.25% · 3.875%
HK$199,762
−HK$6,122/mo
Today · 4.125%
HK$205,884
baseline
▲ 0.50% · 4.625%
HK$218,412
+HK$12,528/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$411,768/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,529
−HK$11,644/mo
▼ 0.25% · 3.875%
HK$221,309
−HK$5,864/mo
Today · 4.125%
HK$227,173
baseline
▲ 0.50% · 4.625%
HK$239,148
+HK$11,975/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$454,346/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,049 · Scale 2, in force from 26 Feb 2026)