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$108,122
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,485
−HK$3,417/mo
Today · 4.125%
HK$114,902
baseline
▲ 0.50% · 4.625%
HK$121,893
+HK$6,991/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$229,804/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,284
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,510
−HK$3,273/mo
Today · 4.125%
HK$126,783
baseline
▲ 0.50% · 4.625%
HK$133,466
+HK$6,683/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$253,566/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,746
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,782
−HK$4,100/mo
Today · 4.125%
HK$137,882
baseline
▲ 0.50% · 4.625%
HK$146,272
+HK$8,390/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$275,764/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,341
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,212
−HK$3,927/mo
Today · 4.125%
HK$152,139
baseline
▲ 0.50% · 4.625%
HK$160,159
+HK$8,020/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$304,278/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,370
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$156,079
−HK$4,784/mo
Today · 4.125%
HK$160,863
baseline
▲ 0.50% · 4.625%
HK$170,651
+HK$9,788/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$321,726/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,398
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$172,914
−HK$4,582/mo
Today · 4.125%
HK$177,496
baseline
▲ 0.50% · 4.625%
HK$186,852
+HK$9,356/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$354,992/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,619
−HK$12,204/mo
▼ 0.25% · 3.875%
HK$200,673
−HK$6,150/mo
Today · 4.125%
HK$206,823
baseline
▲ 0.50% · 4.625%
HK$219,408
+HK$12,585/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$413,646/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,512
−HK$11,697/mo
▼ 0.25% · 3.875%
HK$222,318
−HK$5,891/mo
Today · 4.125%
HK$228,209
baseline
▲ 0.50% · 4.625%
HK$240,238
+HK$12,029/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$456,418/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,199 · Scale 2, in force from 26 Feb 2026)