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$108,774
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,157
−HK$3,438/mo
Today · 4.125%
HK$115,595
baseline
▲ 0.50% · 4.625%
HK$122,628
+HK$7,033/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,190/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,010
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,255
−HK$3,292/mo
Today · 4.125%
HK$127,547
baseline
▲ 0.50% · 4.625%
HK$134,271
+HK$6,724/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,094/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,528
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,589
−HK$4,125/mo
Today · 4.125%
HK$138,714
baseline
▲ 0.50% · 4.625%
HK$147,154
+HK$8,440/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,428/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,212
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,106
−HK$3,951/mo
Today · 4.125%
HK$153,057
baseline
▲ 0.50% · 4.625%
HK$161,125
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,114/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,283
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$157,020
−HK$4,813/mo
Today · 4.125%
HK$161,833
baseline
▲ 0.50% · 4.625%
HK$171,680
+HK$9,847/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,666/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,414
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,957
−HK$4,609/mo
Today · 4.125%
HK$178,566
baseline
▲ 0.50% · 4.625%
HK$187,979
+HK$9,413/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,132/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,793
−HK$12,278/mo
▼ 0.25% · 3.875%
HK$201,883
−HK$6,188/mo
Today · 4.125%
HK$208,071
baseline
▲ 0.50% · 4.625%
HK$220,731
+HK$12,660/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,142/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,817
−HK$11,768/mo
▼ 0.25% · 3.875%
HK$223,659
−HK$5,926/mo
Today · 4.125%
HK$229,585
baseline
▲ 0.50% · 4.625%
HK$241,687
+HK$12,102/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,170/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,353 · Scale 2, in force from 26 Feb 2026)