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$107,632
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,980
−HK$3,402/mo
Today · 4.125%
HK$114,382
baseline
▲ 0.50% · 4.625%
HK$121,341
+HK$6,959/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,764/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,740
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,951
−HK$3,258/mo
Today · 4.125%
HK$126,209
baseline
▲ 0.50% · 4.625%
HK$132,861
+HK$6,652/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,418/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,159
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,176
−HK$4,082/mo
Today · 4.125%
HK$137,258
baseline
▲ 0.50% · 4.625%
HK$145,610
+HK$8,352/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$274,516/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,688
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,541
−HK$3,910/mo
Today · 4.125%
HK$151,451
baseline
▲ 0.50% · 4.625%
HK$159,434
+HK$7,983/mo
Deposit HK$18.88M · loan HK$28.32M · min. income ≈ HK$302,902/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,685
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,372
−HK$4,762/mo
Today · 4.125%
HK$160,134
baseline
▲ 0.50% · 4.625%
HK$169,878
+HK$9,744/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$320,268/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,636
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$172,131
−HK$4,561/mo
Today · 4.125%
HK$176,692
baseline
▲ 0.50% · 4.625%
HK$186,006
+HK$9,314/mo
Deposit HK$14.16M · loan HK$33.04M · min. income ≈ HK$353,384/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,738
−HK$12,149/mo
▼ 0.25% · 3.875%
HK$199,764
−HK$6,123/mo
Today · 4.125%
HK$205,887
baseline
▲ 0.50% · 4.625%
HK$218,415
+HK$12,528/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$411,774/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,531
−HK$11,645/mo
▼ 0.25% · 3.875%
HK$221,312
−HK$5,864/mo
Today · 4.125%
HK$227,176
baseline
▲ 0.50% · 4.625%
HK$239,151
+HK$11,975/mo
Deposit HK$4.72M · loan HK$42.48M · min. income ≈ HK$454,352/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,076 · Scale 2, in force from 26 Feb 2026)