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$108,766
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,150
−HK$3,437/mo
Today · 4.125%
HK$115,587
baseline
▲ 0.50% · 4.625%
HK$122,620
+HK$7,033/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$231,174/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,001
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,247
−HK$3,292/mo
Today · 4.125%
HK$127,539
baseline
▲ 0.50% · 4.625%
HK$134,261
+HK$6,722/mo
Deposit HK$23.85M · loan HK$23.85M · min. income ≈ HK$255,078/mo (50% DSR)
Upfront cash ≈ HK$25.88M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,520
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,579
−HK$4,125/mo
Today · 4.125%
HK$138,704
baseline
▲ 0.50% · 4.625%
HK$147,144
+HK$8,440/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$277,408/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,202
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,096
−HK$3,950/mo
Today · 4.125%
HK$153,046
baseline
▲ 0.50% · 4.625%
HK$161,114
+HK$8,068/mo
Deposit HK$19.08M · loan HK$28.62M · min. income ≈ HK$306,092/mo (50% DSR)
Upfront cash ≈ HK$21.11M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,273
−HK$9,549/mo
▼ 0.25% · 3.875%
HK$157,009
−HK$4,813/mo
Today · 4.125%
HK$161,822
baseline
▲ 0.50% · 4.625%
HK$171,668
+HK$9,846/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$323,644/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,402
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,945
−HK$4,609/mo
Today · 4.125%
HK$178,554
baseline
▲ 0.50% · 4.625%
HK$187,966
+HK$9,412/mo
Deposit HK$14.31M · loan HK$33.39M · min. income ≈ HK$357,108/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,779
−HK$12,277/mo
▼ 0.25% · 3.875%
HK$201,869
−HK$6,187/mo
Today · 4.125%
HK$208,056
baseline
▲ 0.50% · 4.625%
HK$220,716
+HK$12,660/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$416,112/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,803
−HK$11,767/mo
▼ 0.25% · 3.875%
HK$223,644
−HK$5,926/mo
Today · 4.125%
HK$229,570
baseline
▲ 0.50% · 4.625%
HK$241,671
+HK$12,101/mo
Deposit HK$4.77M · loan HK$42.93M · min. income ≈ HK$459,140/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,027,214 · Scale 2, in force from 26 Feb 2026)