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$107,882
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,238
−HK$3,410/mo
Today · 4.125%
HK$114,648
baseline
▲ 0.50% · 4.625%
HK$121,624
+HK$6,976/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$229,296/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,018
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,237
−HK$3,265/mo
Today · 4.125%
HK$126,502
baseline
▲ 0.50% · 4.625%
HK$133,170
+HK$6,668/mo
Deposit HK$23.66M · loan HK$23.66M · min. income ≈ HK$253,004/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,459
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,486
−HK$4,091/mo
Today · 4.125%
HK$137,577
baseline
▲ 0.50% · 4.625%
HK$145,948
+HK$8,371/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$275,154/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,022
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,884
−HK$3,919/mo
Today · 4.125%
HK$151,803
baseline
▲ 0.50% · 4.625%
HK$159,805
+HK$8,002/mo
Deposit HK$18.92M · loan HK$28.39M · min. income ≈ HK$303,606/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,035
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$155,733
−HK$4,774/mo
Today · 4.125%
HK$160,507
baseline
▲ 0.50% · 4.625%
HK$170,273
+HK$9,766/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$321,014/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,025
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$172,532
−HK$4,571/mo
Today · 4.125%
HK$177,103
baseline
▲ 0.50% · 4.625%
HK$186,439
+HK$9,336/mo
Deposit HK$14.19M · loan HK$33.12M · min. income ≈ HK$354,206/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,188
−HK$12,178/mo
▼ 0.25% · 3.875%
HK$200,229
−HK$6,137/mo
Today · 4.125%
HK$206,366
baseline
▲ 0.50% · 4.625%
HK$218,923
+HK$12,557/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$412,732/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,033
−HK$11,671/mo
▼ 0.25% · 3.875%
HK$221,827
−HK$5,877/mo
Today · 4.125%
HK$227,704
baseline
▲ 0.50% · 4.625%
HK$239,707
+HK$12,003/mo
Deposit HK$4.73M · loan HK$42.58M · min. income ≈ HK$455,408/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,741 · Scale 2, in force from 26 Feb 2026)