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$107,601
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,948
−HK$3,401/mo
Today · 4.125%
HK$114,349
baseline
▲ 0.50% · 4.625%
HK$121,307
+HK$6,958/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$228,698/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,705
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,916
−HK$3,257/mo
Today · 4.125%
HK$126,173
baseline
▲ 0.50% · 4.625%
HK$132,823
+HK$6,650/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$252,346/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,122
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,138
−HK$4,081/mo
Today · 4.125%
HK$137,219
baseline
▲ 0.50% · 4.625%
HK$145,568
+HK$8,349/mo
Deposit HK$18.88M · loan HK$28.31M · min. income ≈ HK$274,438/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,646
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,499
−HK$3,908/mo
Today · 4.125%
HK$151,407
baseline
▲ 0.50% · 4.625%
HK$159,388
+HK$7,981/mo
Deposit HK$18.88M · loan HK$28.31M · min. income ≈ HK$302,814/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,642
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$155,328
−HK$4,760/mo
Today · 4.125%
HK$160,088
baseline
▲ 0.50% · 4.625%
HK$169,829
+HK$9,741/mo
Deposit HK$14.16M · loan HK$33.03M · min. income ≈ HK$320,176/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,588
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,082
−HK$4,560/mo
Today · 4.125%
HK$176,642
baseline
▲ 0.50% · 4.625%
HK$185,953
+HK$9,311/mo
Deposit HK$14.16M · loan HK$33.03M · min. income ≈ HK$353,284/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,682
−HK$12,146/mo
▼ 0.25% · 3.875%
HK$199,707
−HK$6,121/mo
Today · 4.125%
HK$205,828
baseline
▲ 0.50% · 4.625%
HK$218,352
+HK$12,524/mo
Deposit HK$4.72M · loan HK$42.47M · min. income ≈ HK$411,656/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,470
−HK$11,641/mo
▼ 0.25% · 3.875%
HK$221,248
−HK$5,863/mo
Today · 4.125%
HK$227,111
baseline
▲ 0.50% · 4.625%
HK$239,082
+HK$11,971/mo
Deposit HK$4.72M · loan HK$42.47M · min. income ≈ HK$454,222/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,501 · Scale 2, in force from 26 Feb 2026)