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$108,038
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,399
−HK$3,414/mo
Today · 4.125%
HK$114,813
baseline
▲ 0.50% · 4.625%
HK$121,799
+HK$6,986/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$229,626/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,191
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,415
−HK$3,270/mo
Today · 4.125%
HK$126,685
baseline
▲ 0.50% · 4.625%
HK$133,363
+HK$6,678/mo
Deposit HK$23.69M · loan HK$23.69M · min. income ≈ HK$253,370/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,646
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$133,679
−HK$4,097/mo
Today · 4.125%
HK$137,776
baseline
▲ 0.50% · 4.625%
HK$146,159
+HK$8,383/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$275,552/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,230
−HK$7,792/mo
▼ 0.25% · 3.875%
HK$148,098
−HK$3,924/mo
Today · 4.125%
HK$152,022
baseline
▲ 0.50% · 4.625%
HK$160,035
+HK$8,013/mo
Deposit HK$18.95M · loan HK$28.43M · min. income ≈ HK$304,044/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,254
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,958
−HK$4,780/mo
Today · 4.125%
HK$160,738
baseline
▲ 0.50% · 4.625%
HK$170,519
+HK$9,781/mo
Deposit HK$14.21M · loan HK$33.17M · min. income ≈ HK$321,476/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,268
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$172,781
−HK$4,578/mo
Today · 4.125%
HK$177,359
baseline
▲ 0.50% · 4.625%
HK$186,708
+HK$9,349/mo
Deposit HK$14.21M · loan HK$33.17M · min. income ≈ HK$354,718/mo (50% DSR)
Upfront cash ≈ HK$16.23M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,469
−HK$12,195/mo
▼ 0.25% · 3.875%
HK$200,518
−HK$6,146/mo
Today · 4.125%
HK$206,664
baseline
▲ 0.50% · 4.625%
HK$219,239
+HK$12,575/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$413,328/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,345
−HK$11,688/mo
▼ 0.25% · 3.875%
HK$222,147
−HK$5,886/mo
Today · 4.125%
HK$228,033
baseline
▲ 0.50% · 4.625%
HK$240,053
+HK$12,020/mo
Deposit HK$4.74M · loan HK$42.64M · min. income ≈ HK$456,066/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,645 · Scale 2, in force from 26 Feb 2026)