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$108,432
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,805
−HK$3,427/mo
Today · 4.125%
HK$115,232
baseline
▲ 0.50% · 4.625%
HK$122,243
+HK$7,011/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$230,464/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,630
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,865
−HK$3,282/mo
Today · 4.125%
HK$127,147
baseline
▲ 0.50% · 4.625%
HK$133,849
+HK$6,702/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$254,294/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,118
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,166
−HK$4,112/mo
Today · 4.125%
HK$138,278
baseline
▲ 0.50% · 4.625%
HK$146,692
+HK$8,414/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,556/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,756
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,638
−HK$3,938/mo
Today · 4.125%
HK$152,576
baseline
▲ 0.50% · 4.625%
HK$160,619
+HK$8,043/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,152/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,805
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,527
−HK$4,797/mo
Today · 4.125%
HK$161,324
baseline
▲ 0.50% · 4.625%
HK$171,141
+HK$9,817/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$322,648/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,881
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$173,411
−HK$4,595/mo
Today · 4.125%
HK$178,006
baseline
▲ 0.50% · 4.625%
HK$187,389
+HK$9,383/mo
Deposit HK$14.27M · loan HK$33.29M · min. income ≈ HK$356,012/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,178
−HK$12,239/mo
▼ 0.25% · 3.875%
HK$201,249
−HK$6,168/mo
Today · 4.125%
HK$207,417
baseline
▲ 0.50% · 4.625%
HK$220,038
+HK$12,621/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$414,834/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,133
−HK$11,731/mo
▼ 0.25% · 3.875%
HK$222,957
−HK$5,907/mo
Today · 4.125%
HK$228,864
baseline
▲ 0.50% · 4.625%
HK$240,928
+HK$12,064/mo
Deposit HK$4.76M · loan HK$42.80M · min. income ≈ HK$457,728/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,985 · Scale 2, in force from 26 Feb 2026)