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$107,435
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,776
−HK$3,396/mo
Today · 4.125%
HK$114,172
baseline
▲ 0.50% · 4.625%
HK$121,119
+HK$6,947/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$228,344/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,520
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,725
−HK$3,252/mo
Today · 4.125%
HK$125,977
baseline
▲ 0.50% · 4.625%
HK$132,618
+HK$6,641/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$251,954/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,922
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$132,932
−HK$4,074/mo
Today · 4.125%
HK$137,006
baseline
▲ 0.50% · 4.625%
HK$145,343
+HK$8,337/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$274,012/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,424
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,271
−HK$3,902/mo
Today · 4.125%
HK$151,173
baseline
▲ 0.50% · 4.625%
HK$159,141
+HK$7,968/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$302,346/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,409
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$155,087
−HK$4,753/mo
Today · 4.125%
HK$159,840
baseline
▲ 0.50% · 4.625%
HK$169,566
+HK$9,726/mo
Deposit HK$14.13M · loan HK$32.98M · min. income ≈ HK$319,680/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,328
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$171,816
−HK$4,552/mo
Today · 4.125%
HK$176,368
baseline
▲ 0.50% · 4.625%
HK$185,665
+HK$9,297/mo
Deposit HK$14.13M · loan HK$32.98M · min. income ≈ HK$352,736/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,382
−HK$12,127/mo
▼ 0.25% · 3.875%
HK$199,398
−HK$6,111/mo
Today · 4.125%
HK$205,509
baseline
▲ 0.50% · 4.625%
HK$218,014
+HK$12,505/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$411,018/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,136
−HK$11,623/mo
▼ 0.25% · 3.875%
HK$220,906
−HK$5,853/mo
Today · 4.125%
HK$226,759
baseline
▲ 0.50% · 4.625%
HK$238,712
+HK$11,953/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$453,518/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,395 · Scale 2, in force from 26 Feb 2026)