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$107,694
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$3,403/mo
Today · 4.125%
HK$114,447
baseline
▲ 0.50% · 4.625%
HK$121,411
+HK$6,964/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$228,894/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,808
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,022
−HK$3,259/mo
Today · 4.125%
HK$126,281
baseline
▲ 0.50% · 4.625%
HK$132,938
+HK$6,657/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$252,562/mo (50% DSR)
Upfront cash ≈ HK$25.62M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,233
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$133,253
−HK$4,084/mo
Today · 4.125%
HK$137,337
baseline
▲ 0.50% · 4.625%
HK$145,693
+HK$8,356/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$274,674/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,770
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,626
−HK$3,912/mo
Today · 4.125%
HK$151,538
baseline
▲ 0.50% · 4.625%
HK$159,525
+HK$7,987/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$303,076/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,771
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,461
−HK$4,765/mo
Today · 4.125%
HK$160,226
baseline
▲ 0.50% · 4.625%
HK$169,976
+HK$9,750/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$320,452/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,732
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,230
−HK$4,564/mo
Today · 4.125%
HK$176,794
baseline
▲ 0.50% · 4.625%
HK$186,113
+HK$9,319/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$353,588/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,849
−HK$12,156/mo
▼ 0.25% · 3.875%
HK$199,879
−HK$6,126/mo
Today · 4.125%
HK$206,005
baseline
▲ 0.50% · 4.625%
HK$218,540
+HK$12,535/mo
Deposit HK$4.72M · loan HK$42.51M · min. income ≈ HK$412,010/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,655
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$221,439
−HK$5,867/mo
Today · 4.125%
HK$227,306
baseline
▲ 0.50% · 4.625%
HK$239,288
+HK$11,982/mo
Deposit HK$4.72M · loan HK$42.51M · min. income ≈ HK$454,612/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,227 · Scale 2, in force from 26 Feb 2026)