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$107,982
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,341
−HK$3,413/mo
Today · 4.125%
HK$114,754
baseline
▲ 0.50% · 4.625%
HK$121,736
+HK$6,982/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$229,508/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,129
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,351
−HK$3,269/mo
Today · 4.125%
HK$126,620
baseline
▲ 0.50% · 4.625%
HK$133,294
+HK$6,674/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$253,240/mo (50% DSR)
Upfront cash ≈ HK$25.69M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,579
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$133,610
−HK$4,095/mo
Today · 4.125%
HK$137,705
baseline
▲ 0.50% · 4.625%
HK$146,084
+HK$8,379/mo
Deposit HK$18.94M · loan HK$28.41M · min. income ≈ HK$275,410/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,155
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,021
−HK$3,923/mo
Today · 4.125%
HK$151,944
baseline
▲ 0.50% · 4.625%
HK$159,953
+HK$8,009/mo
Deposit HK$18.94M · loan HK$28.41M · min. income ≈ HK$303,888/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,175
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$155,878
−HK$4,777/mo
Today · 4.125%
HK$160,655
baseline
▲ 0.50% · 4.625%
HK$170,431
+HK$9,776/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$321,310/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,181
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$172,692
−HK$4,575/mo
Today · 4.125%
HK$177,267
baseline
▲ 0.50% · 4.625%
HK$186,611
+HK$9,344/mo
Deposit HK$14.21M · loan HK$33.15M · min. income ≈ HK$354,534/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,368
−HK$12,189/mo
▼ 0.25% · 3.875%
HK$200,414
−HK$6,143/mo
Today · 4.125%
HK$206,557
baseline
▲ 0.50% · 4.625%
HK$219,126
+HK$12,569/mo
Deposit HK$4.74M · loan HK$42.62M · min. income ≈ HK$413,114/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,233
−HK$11,682/mo
▼ 0.25% · 3.875%
HK$222,032
−HK$5,883/mo
Today · 4.125%
HK$227,915
baseline
▲ 0.50% · 4.625%
HK$239,929
+HK$12,014/mo
Deposit HK$4.74M · loan HK$42.62M · min. income ≈ HK$455,830/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,012,605 · Scale 2, in force from 26 Feb 2026)