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$108,964
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,353
−HK$3,444/mo
Today · 4.125%
HK$115,797
baseline
▲ 0.50% · 4.625%
HK$122,843
+HK$7,046/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$231,594/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,221
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,472
−HK$3,298/mo
Today · 4.125%
HK$127,770
baseline
▲ 0.50% · 4.625%
HK$134,505
+HK$6,735/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$255,540/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,757
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,824
−HK$4,132/mo
Today · 4.125%
HK$138,956
baseline
▲ 0.50% · 4.625%
HK$147,411
+HK$8,455/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$277,912/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,465
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,367
−HK$3,958/mo
Today · 4.125%
HK$153,325
baseline
▲ 0.50% · 4.625%
HK$161,406
+HK$8,081/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$306,650/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,549
−HK$9,567/mo
▼ 0.25% · 3.875%
HK$157,295
−HK$4,821/mo
Today · 4.125%
HK$162,116
baseline
▲ 0.50% · 4.625%
HK$171,980
+HK$9,864/mo
Deposit HK$14.34M · loan HK$33.45M · min. income ≈ HK$324,232/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,710
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,261
−HK$4,618/mo
Today · 4.125%
HK$178,879
baseline
▲ 0.50% · 4.625%
HK$188,308
+HK$9,429/mo
Deposit HK$14.34M · loan HK$33.45M · min. income ≈ HK$357,758/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,135
−HK$12,299/mo
▼ 0.25% · 3.875%
HK$202,236
−HK$6,198/mo
Today · 4.125%
HK$208,434
baseline
▲ 0.50% · 4.625%
HK$221,117
+HK$12,683/mo
Deposit HK$4.78M · loan HK$43.01M · min. income ≈ HK$416,868/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,198
−HK$11,789/mo
▼ 0.25% · 3.875%
HK$224,050
−HK$5,937/mo
Today · 4.125%
HK$229,987
baseline
▲ 0.50% · 4.625%
HK$242,110
+HK$12,123/mo
Deposit HK$4.78M · loan HK$43.01M · min. income ≈ HK$459,974/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,897 · Scale 2, in force from 26 Feb 2026)