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$107,709
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,060
−HK$3,404/mo
Today · 4.125%
HK$114,464
baseline
▲ 0.50% · 4.625%
HK$121,429
+HK$6,965/mo
Deposit HK$23.62M · loan HK$23.62M · min. income ≈ HK$228,928/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,826
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,039
−HK$3,260/mo
Today · 4.125%
HK$126,299
baseline
▲ 0.50% · 4.625%
HK$132,957
+HK$6,658/mo
Deposit HK$23.62M · loan HK$23.62M · min. income ≈ HK$252,598/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,251
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,272
−HK$4,084/mo
Today · 4.125%
HK$137,356
baseline
▲ 0.50% · 4.625%
HK$145,714
+HK$8,358/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$274,712/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,791
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,647
−HK$3,912/mo
Today · 4.125%
HK$151,559
baseline
▲ 0.50% · 4.625%
HK$159,548
+HK$7,989/mo
Deposit HK$18.89M · loan HK$28.34M · min. income ≈ HK$303,118/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,793
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,484
−HK$4,765/mo
Today · 4.125%
HK$160,249
baseline
▲ 0.50% · 4.625%
HK$170,000
+HK$9,751/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$320,498/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,756
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$172,255
−HK$4,564/mo
Today · 4.125%
HK$176,819
baseline
▲ 0.50% · 4.625%
HK$186,140
+HK$9,321/mo
Deposit HK$14.17M · loan HK$33.06M · min. income ≈ HK$353,638/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,877
−HK$12,158/mo
▼ 0.25% · 3.875%
HK$199,908
−HK$6,127/mo
Today · 4.125%
HK$206,035
baseline
▲ 0.50% · 4.625%
HK$218,571
+HK$12,536/mo
Deposit HK$4.72M · loan HK$42.51M · min. income ≈ HK$412,070/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,686
−HK$11,653/mo
▼ 0.25% · 3.875%
HK$221,471
−HK$5,868/mo
Today · 4.125%
HK$227,339
baseline
▲ 0.50% · 4.625%
HK$239,322
+HK$11,983/mo
Deposit HK$4.72M · loan HK$42.51M · min. income ≈ HK$454,678/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,007,515 · Scale 2, in force from 26 Feb 2026)