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$108,044
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,404
−HK$3,415/mo
Today · 4.125%
HK$114,819
baseline
▲ 0.50% · 4.625%
HK$121,805
+HK$6,986/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,638/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,197
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,421
−HK$3,270/mo
Today · 4.125%
HK$126,691
baseline
▲ 0.50% · 4.625%
HK$133,369
+HK$6,678/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,382/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,652
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$133,685
−HK$4,098/mo
Today · 4.125%
HK$137,783
baseline
▲ 0.50% · 4.625%
HK$146,166
+HK$8,383/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$275,566/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,237
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,105
−HK$3,924/mo
Today · 4.125%
HK$152,029
baseline
▲ 0.50% · 4.625%
HK$160,043
+HK$8,014/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$304,058/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,261
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$155,966
−HK$4,780/mo
Today · 4.125%
HK$160,746
baseline
▲ 0.50% · 4.625%
HK$170,527
+HK$9,781/mo
Deposit HK$14.21M · loan HK$33.17M · min. income ≈ HK$321,492/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,276
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,789
−HK$4,579/mo
Today · 4.125%
HK$177,368
baseline
▲ 0.50% · 4.625%
HK$186,717
+HK$9,349/mo
Deposit HK$14.21M · loan HK$33.17M · min. income ≈ HK$354,736/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,478
−HK$12,196/mo
▼ 0.25% · 3.875%
HK$200,528
−HK$6,146/mo
Today · 4.125%
HK$206,674
baseline
▲ 0.50% · 4.625%
HK$219,249
+HK$12,575/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,348/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,355
−HK$11,689/mo
▼ 0.25% · 3.875%
HK$222,158
−HK$5,886/mo
Today · 4.125%
HK$228,044
baseline
▲ 0.50% · 4.625%
HK$240,065
+HK$12,021/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,088/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,743 · Scale 2, in force from 26 Feb 2026)