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$109,006
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,397
−HK$3,445/mo
Today · 4.125%
HK$115,842
baseline
▲ 0.50% · 4.625%
HK$122,891
+HK$7,049/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$231,684/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,268
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,521
−HK$3,299/mo
Today · 4.125%
HK$127,820
baseline
▲ 0.50% · 4.625%
HK$134,558
+HK$6,738/mo
Deposit HK$23.90M · loan HK$23.90M · min. income ≈ HK$255,640/mo (50% DSR)
Upfront cash ≈ HK$25.93M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,808
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$134,876
−HK$4,134/mo
Today · 4.125%
HK$139,010
baseline
▲ 0.50% · 4.625%
HK$147,469
+HK$8,459/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$278,020/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,522
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,425
−HK$3,959/mo
Today · 4.125%
HK$153,384
baseline
▲ 0.50% · 4.625%
HK$161,469
+HK$8,085/mo
Deposit HK$19.12M · loan HK$28.68M · min. income ≈ HK$306,768/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,609
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,356
−HK$4,823/mo
Today · 4.125%
HK$162,179
baseline
▲ 0.50% · 4.625%
HK$172,047
+HK$9,868/mo
Deposit HK$14.34M · loan HK$33.46M · min. income ≈ HK$324,358/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,776
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$174,329
−HK$4,619/mo
Today · 4.125%
HK$178,948
baseline
▲ 0.50% · 4.625%
HK$188,381
+HK$9,433/mo
Deposit HK$14.34M · loan HK$33.46M · min. income ≈ HK$357,896/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,211
−HK$12,305/mo
▼ 0.25% · 3.875%
HK$202,315
−HK$6,201/mo
Today · 4.125%
HK$208,516
baseline
▲ 0.50% · 4.625%
HK$221,203
+HK$12,687/mo
Deposit HK$4.78M · loan HK$43.02M · min. income ≈ HK$417,032/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,283
−HK$11,793/mo
▼ 0.25% · 3.875%
HK$224,137
−HK$5,939/mo
Today · 4.125%
HK$230,076
baseline
▲ 0.50% · 4.625%
HK$242,204
+HK$12,128/mo
Deposit HK$4.78M · loan HK$43.02M · min. income ≈ HK$460,152/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,031,688 · Scale 2, in force from 26 Feb 2026)