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$108,251
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,618
−HK$3,421/mo
Today · 4.125%
HK$115,039
baseline
▲ 0.50% · 4.625%
HK$122,039
+HK$7,000/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$230,078/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,428
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,658
−HK$3,277/mo
Today · 4.125%
HK$126,935
baseline
▲ 0.50% · 4.625%
HK$133,626
+HK$6,691/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$253,870/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,901
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$133,942
−HK$4,105/mo
Today · 4.125%
HK$138,047
baseline
▲ 0.50% · 4.625%
HK$146,447
+HK$8,400/mo
Deposit HK$18.99M · loan HK$28.48M · min. income ≈ HK$276,094/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,514
−HK$7,808/mo
▼ 0.25% · 3.875%
HK$148,390
−HK$3,932/mo
Today · 4.125%
HK$152,322
baseline
▲ 0.50% · 4.625%
HK$160,351
+HK$8,029/mo
Deposit HK$18.99M · loan HK$28.48M · min. income ≈ HK$304,644/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,552
−HK$9,503/mo
▼ 0.25% · 3.875%
HK$156,266
−HK$4,789/mo
Today · 4.125%
HK$161,055
baseline
▲ 0.50% · 4.625%
HK$170,855
+HK$9,800/mo
Deposit HK$14.24M · loan HK$33.23M · min. income ≈ HK$322,110/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,600
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$173,121
−HK$4,587/mo
Today · 4.125%
HK$177,708
baseline
▲ 0.50% · 4.625%
HK$187,076
+HK$9,368/mo
Deposit HK$14.24M · loan HK$33.23M · min. income ≈ HK$355,416/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,852
−HK$12,219/mo
▼ 0.25% · 3.875%
HK$200,913
−HK$6,158/mo
Today · 4.125%
HK$207,071
baseline
▲ 0.50% · 4.625%
HK$219,671
+HK$12,600/mo
Deposit HK$4.75M · loan HK$42.73M · min. income ≈ HK$414,142/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,771
−HK$11,711/mo
▼ 0.25% · 3.875%
HK$222,585
−HK$5,897/mo
Today · 4.125%
HK$228,482
baseline
▲ 0.50% · 4.625%
HK$240,526
+HK$12,044/mo
Deposit HK$4.75M · loan HK$42.73M · min. income ≈ HK$456,964/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,612 · Scale 2, in force from 26 Feb 2026)