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$107,561
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,907
−HK$3,399/mo
Today · 4.125%
HK$114,306
baseline
▲ 0.50% · 4.625%
HK$121,262
+HK$6,956/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$228,612/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,661
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,870
−HK$3,256/mo
Today · 4.125%
HK$126,126
baseline
▲ 0.50% · 4.625%
HK$132,774
+HK$6,648/mo
Deposit HK$23.59M · loan HK$23.59M · min. income ≈ HK$252,252/mo (50% DSR)
Upfront cash ≈ HK$25.59M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,073
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$133,088
−HK$4,080/mo
Today · 4.125%
HK$137,168
baseline
▲ 0.50% · 4.625%
HK$145,514
+HK$8,346/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$274,336/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,593
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,444
−HK$3,907/mo
Today · 4.125%
HK$151,351
baseline
▲ 0.50% · 4.625%
HK$159,329
+HK$7,978/mo
Deposit HK$18.87M · loan HK$28.30M · min. income ≈ HK$302,702/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,586
−HK$9,443/mo
▼ 0.25% · 3.875%
HK$155,270
−HK$4,759/mo
Today · 4.125%
HK$160,029
baseline
▲ 0.50% · 4.625%
HK$169,766
+HK$9,737/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$320,058/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,525
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$172,018
−HK$4,558/mo
Today · 4.125%
HK$176,576
baseline
▲ 0.50% · 4.625%
HK$185,884
+HK$9,308/mo
Deposit HK$14.15M · loan HK$33.02M · min. income ≈ HK$353,152/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,610
−HK$12,141/mo
▼ 0.25% · 3.875%
HK$199,633
−HK$6,118/mo
Today · 4.125%
HK$205,751
baseline
▲ 0.50% · 4.625%
HK$218,271
+HK$12,520/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$411,502/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,389
−HK$11,637/mo
▼ 0.25% · 3.875%
HK$221,166
−HK$5,860/mo
Today · 4.125%
HK$227,026
baseline
▲ 0.50% · 4.625%
HK$238,993
+HK$11,967/mo
Deposit HK$4.72M · loan HK$42.45M · min. income ≈ HK$454,052/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,004,754 · Scale 2, in force from 26 Feb 2026)