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$108,951
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,340
−HK$3,443/mo
Today · 4.125%
HK$115,783
baseline
▲ 0.50% · 4.625%
HK$122,828
+HK$7,045/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$231,566/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,207
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,457
−HK$3,298/mo
Today · 4.125%
HK$127,755
baseline
▲ 0.50% · 4.625%
HK$134,489
+HK$6,734/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$255,510/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,741
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,808
−HK$4,131/mo
Today · 4.125%
HK$138,939
baseline
▲ 0.50% · 4.625%
HK$147,394
+HK$8,455/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$277,878/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,448
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,349
−HK$3,957/mo
Today · 4.125%
HK$153,306
baseline
▲ 0.50% · 4.625%
HK$161,387
+HK$8,081/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$306,612/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,531
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,276
−HK$4,820/mo
Today · 4.125%
HK$162,096
baseline
▲ 0.50% · 4.625%
HK$171,959
+HK$9,863/mo
Deposit HK$14.33M · loan HK$33.45M · min. income ≈ HK$324,192/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,689
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$174,240
−HK$4,617/mo
Today · 4.125%
HK$178,857
baseline
▲ 0.50% · 4.625%
HK$188,285
+HK$9,428/mo
Deposit HK$14.33M · loan HK$33.45M · min. income ≈ HK$357,714/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,111
−HK$12,298/mo
▼ 0.25% · 3.875%
HK$202,211
−HK$6,198/mo
Today · 4.125%
HK$208,409
baseline
▲ 0.50% · 4.625%
HK$221,090
+HK$12,681/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$416,818/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,172
−HK$11,787/mo
▼ 0.25% · 3.875%
HK$224,023
−HK$5,936/mo
Today · 4.125%
HK$229,959
baseline
▲ 0.50% · 4.625%
HK$242,080
+HK$12,121/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$459,918/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,651 · Scale 2, in force from 26 Feb 2026)