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$108,861
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,247
−HK$3,440/mo
Today · 4.125%
HK$115,687
baseline
▲ 0.50% · 4.625%
HK$122,727
+HK$7,040/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$231,374/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,107
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,355
−HK$3,295/mo
Today · 4.125%
HK$127,650
baseline
▲ 0.50% · 4.625%
HK$134,378
+HK$6,728/mo
Deposit HK$23.87M · loan HK$23.87M · min. income ≈ HK$255,300/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,633
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,696
−HK$4,129/mo
Today · 4.125%
HK$138,825
baseline
▲ 0.50% · 4.625%
HK$147,272
+HK$8,447/mo
Deposit HK$19.10M · loan HK$28.64M · min. income ≈ HK$277,650/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,328
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,226
−HK$3,954/mo
Today · 4.125%
HK$153,180
baseline
▲ 0.50% · 4.625%
HK$161,254
+HK$8,074/mo
Deposit HK$19.10M · loan HK$28.64M · min. income ≈ HK$306,360/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,405
−HK$9,557/mo
▼ 0.25% · 3.875%
HK$157,146
−HK$4,816/mo
Today · 4.125%
HK$161,962
baseline
▲ 0.50% · 4.625%
HK$171,817
+HK$9,855/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$323,924/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,549
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$174,097
−HK$4,613/mo
Today · 4.125%
HK$178,710
baseline
▲ 0.50% · 4.625%
HK$188,130
+HK$9,420/mo
Deposit HK$14.32M · loan HK$33.42M · min. income ≈ HK$357,420/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,950
−HK$12,287/mo
▼ 0.25% · 3.875%
HK$202,045
−HK$6,192/mo
Today · 4.125%
HK$208,237
baseline
▲ 0.50% · 4.625%
HK$220,908
+HK$12,671/mo
Deposit HK$4.77M · loan HK$42.97M · min. income ≈ HK$416,474/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,992
−HK$11,777/mo
▼ 0.25% · 3.875%
HK$223,838
−HK$5,931/mo
Today · 4.125%
HK$229,769
baseline
▲ 0.50% · 4.625%
HK$241,881
+HK$12,112/mo
Deposit HK$4.77M · loan HK$42.97M · min. income ≈ HK$459,538/mo (50% DSR)
Upfront cash ≈ HK$6.80M (deposit + AVD stamp duty HK$2,028,977 · Scale 2, in force from 26 Feb 2026)