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$108,028
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,388
−HK$3,414/mo
Today · 4.125%
HK$114,802
baseline
▲ 0.50% · 4.625%
HK$121,787
+HK$6,985/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,604/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,180
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,403
−HK$3,269/mo
Today · 4.125%
HK$126,672
baseline
▲ 0.50% · 4.625%
HK$133,350
+HK$6,678/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,344/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,633
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,665
−HK$4,097/mo
Today · 4.125%
HK$137,762
baseline
▲ 0.50% · 4.625%
HK$146,145
+HK$8,383/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$275,524/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,215
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,083
−HK$3,924/mo
Today · 4.125%
HK$152,007
baseline
▲ 0.50% · 4.625%
HK$160,019
+HK$8,012/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$304,014/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,239
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$155,943
−HK$4,779/mo
Today · 4.125%
HK$160,722
baseline
▲ 0.50% · 4.625%
HK$170,502
+HK$9,780/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,444/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,251
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,764
−HK$4,577/mo
Today · 4.125%
HK$177,341
baseline
▲ 0.50% · 4.625%
HK$186,689
+HK$9,348/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,682/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,450
−HK$12,193/mo
▼ 0.25% · 3.875%
HK$200,498
−HK$6,145/mo
Today · 4.125%
HK$206,643
baseline
▲ 0.50% · 4.625%
HK$219,217
+HK$12,574/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,286/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,323
−HK$11,687/mo
▼ 0.25% · 3.875%
HK$222,125
−HK$5,885/mo
Today · 4.125%
HK$228,010
baseline
▲ 0.50% · 4.625%
HK$240,029
+HK$12,019/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,020/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,445 · Scale 2, in force from 26 Feb 2026)