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$107,551
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,896
−HK$3,399/mo
Today · 4.125%
HK$114,295
baseline
▲ 0.50% · 4.625%
HK$121,250
+HK$6,955/mo
Deposit HK$23.58M · loan HK$23.58M · min. income ≈ HK$228,590/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,649
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,858
−HK$3,255/mo
Today · 4.125%
HK$126,113
baseline
▲ 0.50% · 4.625%
HK$132,761
+HK$6,648/mo
Deposit HK$23.58M · loan HK$23.58M · min. income ≈ HK$252,226/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,061
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,075
−HK$4,079/mo
Today · 4.125%
HK$137,154
baseline
▲ 0.50% · 4.625%
HK$145,500
+HK$8,346/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$274,308/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,579
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,430
−HK$3,906/mo
Today · 4.125%
HK$151,336
baseline
▲ 0.50% · 4.625%
HK$159,313
+HK$7,977/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$302,672/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,571
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$155,255
−HK$4,758/mo
Today · 4.125%
HK$160,013
baseline
▲ 0.50% · 4.625%
HK$169,750
+HK$9,737/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$320,026/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,509
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$172,001
−HK$4,558/mo
Today · 4.125%
HK$176,559
baseline
▲ 0.50% · 4.625%
HK$185,865
+HK$9,306/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$353,118/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,591
−HK$12,140/mo
▼ 0.25% · 3.875%
HK$199,613
−HK$6,118/mo
Today · 4.125%
HK$205,731
baseline
▲ 0.50% · 4.625%
HK$218,249
+HK$12,518/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$411,462/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,368
−HK$11,636/mo
▼ 0.25% · 3.875%
HK$221,144
−HK$5,860/mo
Today · 4.125%
HK$227,004
baseline
▲ 0.50% · 4.625%
HK$238,970
+HK$11,966/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$454,008/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,559 · Scale 2, in force from 26 Feb 2026)