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$108,598
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,976
−HK$3,432/mo
Today · 4.125%
HK$115,408
baseline
▲ 0.50% · 4.625%
HK$122,430
+HK$7,022/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$230,816/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,814
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,054
−HK$3,287/mo
Today · 4.125%
HK$127,341
baseline
▲ 0.50% · 4.625%
HK$134,053
+HK$6,712/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$254,682/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,317
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,371
−HK$4,118/mo
Today · 4.125%
HK$138,489
baseline
▲ 0.50% · 4.625%
HK$146,916
+HK$8,427/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$276,978/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,976
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,865
−HK$3,944/mo
Today · 4.125%
HK$152,809
baseline
▲ 0.50% · 4.625%
HK$160,864
+HK$8,055/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$305,618/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,037
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$156,766
−HK$4,805/mo
Today · 4.125%
HK$161,571
baseline
▲ 0.50% · 4.625%
HK$171,402
+HK$9,831/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$323,142/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,139
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$173,675
−HK$4,602/mo
Today · 4.125%
HK$178,277
baseline
▲ 0.50% · 4.625%
HK$187,674
+HK$9,397/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$356,554/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,476
−HK$12,258/mo
▼ 0.25% · 3.875%
HK$201,556
−HK$6,178/mo
Today · 4.125%
HK$207,734
baseline
▲ 0.50% · 4.625%
HK$220,374
+HK$12,640/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$415,468/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,465
−HK$11,748/mo
▼ 0.25% · 3.875%
HK$223,297
−HK$5,916/mo
Today · 4.125%
HK$229,213
baseline
▲ 0.50% · 4.625%
HK$241,296
+HK$12,083/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$458,426/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,069 · Scale 2, in force from 26 Feb 2026)