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$107,659
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,008
−HK$3,403/mo
Today · 4.125%
HK$114,411
baseline
▲ 0.50% · 4.625%
HK$121,372
+HK$6,961/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$228,822/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,770
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,982
−HK$3,259/mo
Today · 4.125%
HK$126,241
baseline
▲ 0.50% · 4.625%
HK$132,895
+HK$6,654/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$252,482/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,191
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$133,210
−HK$4,083/mo
Today · 4.125%
HK$137,293
baseline
▲ 0.50% · 4.625%
HK$145,647
+HK$8,354/mo
Deposit HK$18.89M · loan HK$28.33M · min. income ≈ HK$274,586/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,724
−HK$7,765/mo
▼ 0.25% · 3.875%
HK$147,579
−HK$3,910/mo
Today · 4.125%
HK$151,489
baseline
▲ 0.50% · 4.625%
HK$159,474
+HK$7,985/mo
Deposit HK$18.89M · loan HK$28.33M · min. income ≈ HK$302,978/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,723
−HK$9,452/mo
▼ 0.25% · 3.875%
HK$155,412
−HK$4,763/mo
Today · 4.125%
HK$160,175
baseline
▲ 0.50% · 4.625%
HK$169,921
+HK$9,746/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$320,350/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,678
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$172,175
−HK$4,562/mo
Today · 4.125%
HK$176,737
baseline
▲ 0.50% · 4.625%
HK$186,053
+HK$9,316/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$353,474/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,787
−HK$12,152/mo
▼ 0.25% · 3.875%
HK$199,815
−HK$6,124/mo
Today · 4.125%
HK$205,939
baseline
▲ 0.50% · 4.625%
HK$218,470
+HK$12,531/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$411,878/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,586
−HK$11,648/mo
▼ 0.25% · 3.875%
HK$221,368
−HK$5,866/mo
Today · 4.125%
HK$227,234
baseline
▲ 0.50% · 4.625%
HK$239,211
+HK$11,977/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$454,468/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,585 · Scale 2, in force from 26 Feb 2026)