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$108,933
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,322
−HK$3,442/mo
Today · 4.125%
HK$115,764
baseline
▲ 0.50% · 4.625%
HK$122,808
+HK$7,044/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$231,528/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,187
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,437
−HK$3,298/mo
Today · 4.125%
HK$127,735
baseline
▲ 0.50% · 4.625%
HK$134,468
+HK$6,733/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$255,470/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,720
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,786
−HK$4,131/mo
Today · 4.125%
HK$138,917
baseline
▲ 0.50% · 4.625%
HK$147,370
+HK$8,453/mo
Deposit HK$19.11M · loan HK$28.66M · min. income ≈ HK$277,834/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,425
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,325
−HK$3,957/mo
Today · 4.125%
HK$153,282
baseline
▲ 0.50% · 4.625%
HK$161,361
+HK$8,079/mo
Deposit HK$19.11M · loan HK$28.66M · min. income ≈ HK$306,564/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,507
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$157,251
−HK$4,819/mo
Today · 4.125%
HK$162,070
baseline
▲ 0.50% · 4.625%
HK$171,932
+HK$9,862/mo
Deposit HK$14.33M · loan HK$33.44M · min. income ≈ HK$324,140/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,662
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$174,212
−HK$4,616/mo
Today · 4.125%
HK$178,828
baseline
▲ 0.50% · 4.625%
HK$188,255
+HK$9,427/mo
Deposit HK$14.33M · loan HK$33.44M · min. income ≈ HK$357,656/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,080
−HK$12,296/mo
▼ 0.25% · 3.875%
HK$202,179
−HK$6,197/mo
Today · 4.125%
HK$208,376
baseline
▲ 0.50% · 4.625%
HK$221,055
+HK$12,679/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$416,752/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,137
−HK$11,785/mo
▼ 0.25% · 3.875%
HK$223,987
−HK$5,935/mo
Today · 4.125%
HK$229,922
baseline
▲ 0.50% · 4.625%
HK$242,042
+HK$12,120/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$459,844/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,328 · Scale 2, in force from 26 Feb 2026)