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$108,092
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,454
−HK$3,416/mo
Today · 4.125%
HK$114,870
baseline
▲ 0.50% · 4.625%
HK$121,860
+HK$6,990/mo
Deposit HK$23.70M · loan HK$23.70M · min. income ≈ HK$229,740/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,251
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,476
−HK$3,272/mo
Today · 4.125%
HK$126,748
baseline
▲ 0.50% · 4.625%
HK$133,429
+HK$6,681/mo
Deposit HK$23.70M · loan HK$23.70M · min. income ≈ HK$253,496/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,710
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,745
−HK$4,099/mo
Today · 4.125%
HK$137,844
baseline
▲ 0.50% · 4.625%
HK$146,232
+HK$8,388/mo
Deposit HK$18.96M · loan HK$28.44M · min. income ≈ HK$275,688/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,301
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,172
−HK$3,926/mo
Today · 4.125%
HK$152,098
baseline
▲ 0.50% · 4.625%
HK$160,115
+HK$8,017/mo
Deposit HK$18.96M · loan HK$28.44M · min. income ≈ HK$304,196/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,329
−HK$9,489/mo
▼ 0.25% · 3.875%
HK$156,036
−HK$4,782/mo
Today · 4.125%
HK$160,818
baseline
▲ 0.50% · 4.625%
HK$170,604
+HK$9,786/mo
Deposit HK$14.22M · loan HK$33.18M · min. income ≈ HK$321,636/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,352
−HK$9,095/mo
▼ 0.25% · 3.875%
HK$172,867
−HK$4,580/mo
Today · 4.125%
HK$177,447
baseline
▲ 0.50% · 4.625%
HK$186,801
+HK$9,354/mo
Deposit HK$14.22M · loan HK$33.18M · min. income ≈ HK$354,894/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,566
−HK$12,200/mo
▼ 0.25% · 3.875%
HK$200,618
−HK$6,148/mo
Today · 4.125%
HK$206,766
baseline
▲ 0.50% · 4.625%
HK$219,348
+HK$12,582/mo
Deposit HK$4.74M · loan HK$42.66M · min. income ≈ HK$413,532/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,452
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$222,257
−HK$5,889/mo
Today · 4.125%
HK$228,146
baseline
▲ 0.50% · 4.625%
HK$240,172
+HK$12,026/mo
Deposit HK$4.74M · loan HK$42.66M · min. income ≈ HK$456,292/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,014,646 · Scale 2, in force from 26 Feb 2026)