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$108,749
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,131
−HK$3,437/mo
Today · 4.125%
HK$115,568
baseline
▲ 0.50% · 4.625%
HK$122,600
+HK$7,032/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,136/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,982
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,227
−HK$3,291/mo
Today · 4.125%
HK$127,518
baseline
▲ 0.50% · 4.625%
HK$134,240
+HK$6,722/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,036/mo (50% DSR)
Upfront cash ≈ HK$25.87M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,498
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,558
−HK$4,124/mo
Today · 4.125%
HK$138,682
baseline
▲ 0.50% · 4.625%
HK$147,120
+HK$8,438/mo
Deposit HK$19.08M · loan HK$28.61M · min. income ≈ HK$277,364/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,178
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,072
−HK$3,950/mo
Today · 4.125%
HK$153,022
baseline
▲ 0.50% · 4.625%
HK$161,088
+HK$8,066/mo
Deposit HK$19.08M · loan HK$28.61M · min. income ≈ HK$306,044/mo (50% DSR)
Upfront cash ≈ HK$21.10M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,248
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$156,984
−HK$4,811/mo
Today · 4.125%
HK$161,795
baseline
▲ 0.50% · 4.625%
HK$171,640
+HK$9,845/mo
Deposit HK$14.31M · loan HK$33.38M · min. income ≈ HK$323,590/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,375
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,917
−HK$4,608/mo
Today · 4.125%
HK$178,525
baseline
▲ 0.50% · 4.625%
HK$187,936
+HK$9,411/mo
Deposit HK$14.31M · loan HK$33.38M · min. income ≈ HK$357,050/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,748
−HK$12,275/mo
▼ 0.25% · 3.875%
HK$201,837
−HK$6,186/mo
Today · 4.125%
HK$208,023
baseline
▲ 0.50% · 4.625%
HK$220,680
+HK$12,657/mo
Deposit HK$4.77M · loan HK$42.92M · min. income ≈ HK$416,046/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,767
−HK$11,766/mo
▼ 0.25% · 3.875%
HK$223,608
−HK$5,925/mo
Today · 4.125%
HK$229,533
baseline
▲ 0.50% · 4.625%
HK$241,632
+HK$12,099/mo
Deposit HK$4.77M · loan HK$42.92M · min. income ≈ HK$459,066/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,026,886 · Scale 2, in force from 26 Feb 2026)