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$108,088
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,450
−HK$3,416/mo
Today · 4.125%
HK$114,866
baseline
▲ 0.50% · 4.625%
HK$121,855
+HK$6,989/mo
Deposit HK$23.70M · loan HK$23.70M · min. income ≈ HK$229,732/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,246
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,471
−HK$3,272/mo
Today · 4.125%
HK$126,743
baseline
▲ 0.50% · 4.625%
HK$133,424
+HK$6,681/mo
Deposit HK$23.70M · loan HK$23.70M · min. income ≈ HK$253,486/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,705
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,740
−HK$4,099/mo
Today · 4.125%
HK$137,839
baseline
▲ 0.50% · 4.625%
HK$146,226
+HK$8,387/mo
Deposit HK$18.96M · loan HK$28.44M · min. income ≈ HK$275,678/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,296
−HK$7,796/mo
▼ 0.25% · 3.875%
HK$148,166
−HK$3,926/mo
Today · 4.125%
HK$152,092
baseline
▲ 0.50% · 4.625%
HK$160,108
+HK$8,016/mo
Deposit HK$18.96M · loan HK$28.44M · min. income ≈ HK$304,184/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,323
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$156,030
−HK$4,782/mo
Today · 4.125%
HK$160,812
baseline
▲ 0.50% · 4.625%
HK$170,597
+HK$9,785/mo
Deposit HK$14.22M · loan HK$33.18M · min. income ≈ HK$321,624/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,345
−HK$9,095/mo
▼ 0.25% · 3.875%
HK$172,860
−HK$4,580/mo
Today · 4.125%
HK$177,440
baseline
▲ 0.50% · 4.625%
HK$186,793
+HK$9,353/mo
Deposit HK$14.22M · loan HK$33.18M · min. income ≈ HK$354,880/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,558
−HK$12,200/mo
▼ 0.25% · 3.875%
HK$200,610
−HK$6,148/mo
Today · 4.125%
HK$206,758
baseline
▲ 0.50% · 4.625%
HK$219,339
+HK$12,581/mo
Deposit HK$4.74M · loan HK$42.66M · min. income ≈ HK$413,516/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,443
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$222,248
−HK$5,889/mo
Today · 4.125%
HK$228,137
baseline
▲ 0.50% · 4.625%
HK$240,163
+HK$12,026/mo
Deposit HK$4.74M · loan HK$42.66M · min. income ≈ HK$456,274/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,014,565 · Scale 2, in force from 26 Feb 2026)