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$108,211
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,577
−HK$3,420/mo
Today · 4.125%
HK$114,997
baseline
▲ 0.50% · 4.625%
HK$121,994
+HK$6,997/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$229,994/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,384
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,613
−HK$3,275/mo
Today · 4.125%
HK$126,888
baseline
▲ 0.50% · 4.625%
HK$133,576
+HK$6,688/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$253,776/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,854
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,893
−HK$4,104/mo
Today · 4.125%
HK$137,997
baseline
▲ 0.50% · 4.625%
HK$146,393
+HK$8,396/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$275,994/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,461
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,335
−HK$3,931/mo
Today · 4.125%
HK$152,266
baseline
▲ 0.50% · 4.625%
HK$160,292
+HK$8,026/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,532/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,496
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,208
−HK$4,788/mo
Today · 4.125%
HK$160,996
baseline
▲ 0.50% · 4.625%
HK$170,792
+HK$9,796/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$321,992/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,538
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$173,058
−HK$4,585/mo
Today · 4.125%
HK$177,643
baseline
▲ 0.50% · 4.625%
HK$187,007
+HK$9,364/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$355,286/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,780
−HK$12,215/mo
▼ 0.25% · 3.875%
HK$200,839
−HK$6,156/mo
Today · 4.125%
HK$206,995
baseline
▲ 0.50% · 4.625%
HK$219,590
+HK$12,595/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$413,990/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,691
−HK$11,707/mo
▼ 0.25% · 3.875%
HK$222,503
−HK$5,895/mo
Today · 4.125%
HK$228,398
baseline
▲ 0.50% · 4.625%
HK$240,438
+HK$12,040/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$456,796/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,871 · Scale 2, in force from 26 Feb 2026)