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$108,031
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,391
−HK$3,415/mo
Today · 4.125%
HK$114,806
baseline
▲ 0.50% · 4.625%
HK$121,791
+HK$6,985/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,612/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,184
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,407
−HK$3,270/mo
Today · 4.125%
HK$126,677
baseline
▲ 0.50% · 4.625%
HK$133,354
+HK$6,677/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,354/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,637
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,670
−HK$4,097/mo
Today · 4.125%
HK$137,767
baseline
▲ 0.50% · 4.625%
HK$146,150
+HK$8,383/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$275,534/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,220
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,088
−HK$3,924/mo
Today · 4.125%
HK$152,012
baseline
▲ 0.50% · 4.625%
HK$160,025
+HK$8,013/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$304,024/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,244
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,948
−HK$4,780/mo
Today · 4.125%
HK$160,728
baseline
▲ 0.50% · 4.625%
HK$170,508
+HK$9,780/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,456/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,257
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,769
−HK$4,578/mo
Today · 4.125%
HK$177,347
baseline
▲ 0.50% · 4.625%
HK$186,696
+HK$9,349/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,694/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,456
−HK$12,194/mo
▼ 0.25% · 3.875%
HK$200,505
−HK$6,145/mo
Today · 4.125%
HK$206,650
baseline
▲ 0.50% · 4.625%
HK$219,224
+HK$12,574/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,300/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,330
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$222,132
−HK$5,886/mo
Today · 4.125%
HK$228,018
baseline
▲ 0.50% · 4.625%
HK$240,037
+HK$12,019/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,036/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,512 · Scale 2, in force from 26 Feb 2026)