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$109,237
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,635
−HK$3,452/mo
Today · 4.125%
HK$116,087
baseline
▲ 0.50% · 4.625%
HK$123,150
+HK$7,063/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$232,174/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,525
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,784
−HK$3,306/mo
Today · 4.125%
HK$128,090
baseline
▲ 0.50% · 4.625%
HK$134,842
+HK$6,752/mo
Deposit HK$23.95M · loan HK$23.95M · min. income ≈ HK$256,180/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,084
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,161
−HK$4,143/mo
Today · 4.125%
HK$139,304
baseline
▲ 0.50% · 4.625%
HK$147,780
+HK$8,476/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$278,608/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,830
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,741
−HK$3,967/mo
Today · 4.125%
HK$153,708
baseline
▲ 0.50% · 4.625%
HK$161,811
+HK$8,103/mo
Deposit HK$19.16M · loan HK$28.74M · min. income ≈ HK$307,416/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,931
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$157,688
−HK$4,833/mo
Today · 4.125%
HK$162,521
baseline
▲ 0.50% · 4.625%
HK$172,410
+HK$9,889/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$325,042/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,135
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$174,697
−HK$4,629/mo
Today · 4.125%
HK$179,326
baseline
▲ 0.50% · 4.625%
HK$188,779
+HK$9,453/mo
Deposit HK$14.37M · loan HK$33.53M · min. income ≈ HK$358,652/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,626
−HK$12,330/mo
▼ 0.25% · 3.875%
HK$202,742
−HK$6,214/mo
Today · 4.125%
HK$208,956
baseline
▲ 0.50% · 4.625%
HK$221,671
+HK$12,715/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$417,912/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,744
−HK$11,819/mo
▼ 0.25% · 3.875%
HK$224,611
−HK$5,952/mo
Today · 4.125%
HK$230,563
baseline
▲ 0.50% · 4.625%
HK$242,716
+HK$12,153/mo
Deposit HK$4.79M · loan HK$43.11M · min. income ≈ HK$461,126/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$2,035,981 · Scale 2, in force from 26 Feb 2026)