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$107,463
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,805
−HK$3,397/mo
Today · 4.125%
HK$114,202
baseline
▲ 0.50% · 4.625%
HK$121,150
+HK$6,948/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$228,404/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,551
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,757
−HK$3,253/mo
Today · 4.125%
HK$126,010
baseline
▲ 0.50% · 4.625%
HK$132,652
+HK$6,642/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$252,020/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,955
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$132,966
−HK$4,076/mo
Today · 4.125%
HK$137,042
baseline
▲ 0.50% · 4.625%
HK$145,381
+HK$8,339/mo
Deposit HK$18.85M · loan HK$28.28M · min. income ≈ HK$274,084/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,461
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$147,309
−HK$3,903/mo
Today · 4.125%
HK$151,212
baseline
▲ 0.50% · 4.625%
HK$159,183
+HK$7,971/mo
Deposit HK$18.85M · loan HK$28.28M · min. income ≈ HK$302,424/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,448
−HK$9,434/mo
▼ 0.25% · 3.875%
HK$155,128
−HK$4,754/mo
Today · 4.125%
HK$159,882
baseline
▲ 0.50% · 4.625%
HK$169,611
+HK$9,729/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$319,764/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,372
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$171,860
−HK$4,554/mo
Today · 4.125%
HK$176,414
baseline
▲ 0.50% · 4.625%
HK$185,713
+HK$9,299/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$352,828/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,433
−HK$12,130/mo
▼ 0.25% · 3.875%
HK$199,450
−HK$6,113/mo
Today · 4.125%
HK$205,563
baseline
▲ 0.50% · 4.625%
HK$218,071
+HK$12,508/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$411,126/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,192
−HK$11,626/mo
▼ 0.25% · 3.875%
HK$220,963
−HK$5,855/mo
Today · 4.125%
HK$226,818
baseline
▲ 0.50% · 4.625%
HK$238,774
+HK$11,956/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$453,636/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,002,918 · Scale 2, in force from 26 Feb 2026)