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$107,859
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,214
−HK$3,408/mo
Today · 4.125%
HK$114,622
baseline
▲ 0.50% · 4.625%
HK$121,597
+HK$6,975/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,244/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,992
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,210
−HK$3,264/mo
Today · 4.125%
HK$126,474
baseline
▲ 0.50% · 4.625%
HK$133,141
+HK$6,667/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,948/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,430
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$133,456
−HK$4,091/mo
Today · 4.125%
HK$137,547
baseline
▲ 0.50% · 4.625%
HK$145,916
+HK$8,369/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$275,094/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,990
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,852
−HK$3,917/mo
Today · 4.125%
HK$151,769
baseline
▲ 0.50% · 4.625%
HK$159,769
+HK$8,000/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$303,538/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,002
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,699
−HK$4,772/mo
Today · 4.125%
HK$160,471
baseline
▲ 0.50% · 4.625%
HK$170,235
+HK$9,764/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$320,942/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,988
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,494
−HK$4,570/mo
Today · 4.125%
HK$177,064
baseline
▲ 0.50% · 4.625%
HK$186,397
+HK$9,333/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$354,128/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,145
−HK$12,175/mo
▼ 0.25% · 3.875%
HK$200,184
−HK$6,136/mo
Today · 4.125%
HK$206,320
baseline
▲ 0.50% · 4.625%
HK$218,874
+HK$12,554/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$412,640/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,985
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,777
−HK$5,877/mo
Today · 4.125%
HK$227,654
baseline
▲ 0.50% · 4.625%
HK$239,654
+HK$12,000/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$455,308/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,295 · Scale 2, in force from 26 Feb 2026)