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$107,346
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,685
−HK$3,392/mo
Today · 4.125%
HK$114,077
baseline
▲ 0.50% · 4.625%
HK$121,019
+HK$6,942/mo
Deposit HK$23.54M · loan HK$23.54M · min. income ≈ HK$228,154/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,421
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$122,624
−HK$3,249/mo
Today · 4.125%
HK$125,873
baseline
▲ 0.50% · 4.625%
HK$132,508
+HK$6,635/mo
Deposit HK$23.54M · loan HK$23.54M · min. income ≈ HK$251,746/mo (50% DSR)
Upfront cash ≈ HK$25.54M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,815
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,822
−HK$4,071/mo
Today · 4.125%
HK$136,893
baseline
▲ 0.50% · 4.625%
HK$145,222
+HK$8,329/mo
Deposit HK$18.83M · loan HK$28.25M · min. income ≈ HK$273,786/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,305
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,149
−HK$3,899/mo
Today · 4.125%
HK$151,048
baseline
▲ 0.50% · 4.625%
HK$159,010
+HK$7,962/mo
Deposit HK$18.83M · loan HK$28.25M · min. income ≈ HK$302,096/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,284
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,959
−HK$4,749/mo
Today · 4.125%
HK$159,708
baseline
▲ 0.50% · 4.625%
HK$169,426
+HK$9,718/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$319,416/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,190
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,674
−HK$4,548/mo
Today · 4.125%
HK$176,222
baseline
▲ 0.50% · 4.625%
HK$185,511
+HK$9,289/mo
Deposit HK$14.12M · loan HK$32.95M · min. income ≈ HK$352,444/mo (50% DSR)
Upfront cash ≈ HK$16.12M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,223
−HK$12,116/mo
▼ 0.25% · 3.875%
HK$199,233
−HK$6,106/mo
Today · 4.125%
HK$205,339
baseline
▲ 0.50% · 4.625%
HK$217,834
+HK$12,495/mo
Deposit HK$4.71M · loan HK$42.37M · min. income ≈ HK$410,678/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,958
−HK$11,614/mo
▼ 0.25% · 3.875%
HK$220,723
−HK$5,849/mo
Today · 4.125%
HK$226,572
baseline
▲ 0.50% · 4.625%
HK$238,515
+HK$11,943/mo
Deposit HK$4.71M · loan HK$42.37M · min. income ≈ HK$453,144/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,000,740 · Scale 2, in force from 26 Feb 2026)