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$107,817
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,171
−HK$3,407/mo
Today · 4.125%
HK$114,578
baseline
▲ 0.50% · 4.625%
HK$121,550
+HK$6,972/mo
Deposit HK$23.64M · loan HK$23.64M · min. income ≈ HK$229,156/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,946
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,162
−HK$3,264/mo
Today · 4.125%
HK$126,426
baseline
▲ 0.50% · 4.625%
HK$133,090
+HK$6,664/mo
Deposit HK$23.64M · loan HK$23.64M · min. income ≈ HK$252,852/mo (50% DSR)
Upfront cash ≈ HK$25.65M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,381
−HK$8,113/mo
▼ 0.25% · 3.875%
HK$133,405
−HK$4,089/mo
Today · 4.125%
HK$137,494
baseline
▲ 0.50% · 4.625%
HK$145,860
+HK$8,366/mo
Deposit HK$18.91M · loan HK$28.37M · min. income ≈ HK$274,988/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,935
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$147,795
−HK$3,916/mo
Today · 4.125%
HK$151,711
baseline
▲ 0.50% · 4.625%
HK$159,708
+HK$7,997/mo
Deposit HK$18.91M · loan HK$28.37M · min. income ≈ HK$303,422/mo (50% DSR)
Upfront cash ≈ HK$20.92M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,944
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,639
−HK$4,771/mo
Today · 4.125%
HK$160,410
baseline
▲ 0.50% · 4.625%
HK$170,170
+HK$9,760/mo
Deposit HK$14.18M · loan HK$33.10M · min. income ≈ HK$320,820/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,924
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,427
−HK$4,569/mo
Today · 4.125%
HK$176,996
baseline
▲ 0.50% · 4.625%
HK$186,326
+HK$9,330/mo
Deposit HK$14.18M · loan HK$33.10M · min. income ≈ HK$353,992/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,071
−HK$12,170/mo
▼ 0.25% · 3.875%
HK$200,108
−HK$6,133/mo
Today · 4.125%
HK$206,241
baseline
▲ 0.50% · 4.625%
HK$218,790
+HK$12,549/mo
Deposit HK$4.73M · loan HK$42.55M · min. income ≈ HK$412,482/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,902
−HK$11,664/mo
▼ 0.25% · 3.875%
HK$221,692
−HK$5,874/mo
Today · 4.125%
HK$227,566
baseline
▲ 0.50% · 4.625%
HK$239,562
+HK$11,996/mo
Deposit HK$4.73M · loan HK$42.55M · min. income ≈ HK$455,132/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,009,525 · Scale 2, in force from 26 Feb 2026)