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$108,121
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$3,417/mo
Today · 4.125%
HK$114,901
baseline
▲ 0.50% · 4.625%
HK$121,893
+HK$6,992/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$229,802/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,284
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,510
−HK$3,272/mo
Today · 4.125%
HK$126,782
baseline
▲ 0.50% · 4.625%
HK$133,465
+HK$6,683/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$253,564/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,746
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,781
−HK$4,101/mo
Today · 4.125%
HK$137,882
baseline
▲ 0.50% · 4.625%
HK$146,272
+HK$8,390/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$275,764/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,341
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,212
−HK$3,927/mo
Today · 4.125%
HK$152,139
baseline
▲ 0.50% · 4.625%
HK$160,158
+HK$8,019/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$304,278/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,370
−HK$9,492/mo
▼ 0.25% · 3.875%
HK$156,078
−HK$4,784/mo
Today · 4.125%
HK$160,862
baseline
▲ 0.50% · 4.625%
HK$170,650
+HK$9,788/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$321,724/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,397
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$172,914
−HK$4,581/mo
Today · 4.125%
HK$177,495
baseline
▲ 0.50% · 4.625%
HK$186,851
+HK$9,356/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$354,990/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,618
−HK$12,205/mo
▼ 0.25% · 3.875%
HK$200,672
−HK$6,151/mo
Today · 4.125%
HK$206,823
baseline
▲ 0.50% · 4.625%
HK$219,407
+HK$12,584/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$413,646/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,511
−HK$11,697/mo
▼ 0.25% · 3.875%
HK$222,318
−HK$5,890/mo
Today · 4.125%
HK$228,208
baseline
▲ 0.50% · 4.625%
HK$240,238
+HK$12,030/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$456,416/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,193 · Scale 2, in force from 26 Feb 2026)