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$107,415
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,757
−HK$3,394/mo
Today · 4.125%
HK$114,151
baseline
▲ 0.50% · 4.625%
HK$121,097
+HK$6,946/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$228,302/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,498
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,703
−HK$3,252/mo
Today · 4.125%
HK$125,955
baseline
▲ 0.50% · 4.625%
HK$132,594
+HK$6,639/mo
Deposit HK$23.55M · loan HK$23.55M · min. income ≈ HK$251,910/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,898
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,908
−HK$4,073/mo
Today · 4.125%
HK$136,981
baseline
▲ 0.50% · 4.625%
HK$145,316
+HK$8,335/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$273,962/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,398
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$147,244
−HK$3,901/mo
Today · 4.125%
HK$151,145
baseline
▲ 0.50% · 4.625%
HK$159,113
+HK$7,968/mo
Deposit HK$18.84M · loan HK$28.26M · min. income ≈ HK$302,290/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,381
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$155,059
−HK$4,753/mo
Today · 4.125%
HK$159,812
baseline
▲ 0.50% · 4.625%
HK$169,536
+HK$9,724/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$319,624/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,298
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,785
−HK$4,551/mo
Today · 4.125%
HK$176,336
baseline
▲ 0.50% · 4.625%
HK$185,631
+HK$9,295/mo
Deposit HK$14.13M · loan HK$32.97M · min. income ≈ HK$352,672/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,348
−HK$12,124/mo
▼ 0.25% · 3.875%
HK$199,362
−HK$6,110/mo
Today · 4.125%
HK$205,472
baseline
▲ 0.50% · 4.625%
HK$217,975
+HK$12,503/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$410,944/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,097
−HK$11,621/mo
▼ 0.25% · 3.875%
HK$220,866
−HK$5,852/mo
Today · 4.125%
HK$226,718
baseline
▲ 0.50% · 4.625%
HK$238,669
+HK$11,951/mo
Deposit HK$4.71M · loan HK$42.40M · min. income ≈ HK$453,436/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,034 · Scale 2, in force from 26 Feb 2026)