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$108,011
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,371
−HK$3,413/mo
Today · 4.125%
HK$114,784
baseline
▲ 0.50% · 4.625%
HK$121,769
+HK$6,985/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$229,568/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,161
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,384
−HK$3,269/mo
Today · 4.125%
HK$126,653
baseline
▲ 0.50% · 4.625%
HK$133,329
+HK$6,676/mo
Deposit HK$23.68M · loan HK$23.68M · min. income ≈ HK$253,306/mo (50% DSR)
Upfront cash ≈ HK$25.70M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,613
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,645
−HK$4,096/mo
Today · 4.125%
HK$137,741
baseline
▲ 0.50% · 4.625%
HK$146,122
+HK$8,381/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$275,482/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,193
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,061
−HK$3,923/mo
Today · 4.125%
HK$151,984
baseline
▲ 0.50% · 4.625%
HK$159,995
+HK$8,011/mo
Deposit HK$18.95M · loan HK$28.42M · min. income ≈ HK$303,968/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,215
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$155,919
−HK$4,779/mo
Today · 4.125%
HK$160,698
baseline
▲ 0.50% · 4.625%
HK$170,476
+HK$9,778/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$321,396/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,226
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,737
−HK$4,577/mo
Today · 4.125%
HK$177,314
baseline
▲ 0.50% · 4.625%
HK$186,661
+HK$9,347/mo
Deposit HK$14.21M · loan HK$33.16M · min. income ≈ HK$354,628/mo (50% DSR)
Upfront cash ≈ HK$16.22M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,420
−HK$12,192/mo
▼ 0.25% · 3.875%
HK$200,467
−HK$6,145/mo
Today · 4.125%
HK$206,612
baseline
▲ 0.50% · 4.625%
HK$219,184
+HK$12,572/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$413,224/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,290
−HK$11,686/mo
▼ 0.25% · 3.875%
HK$222,091
−HK$5,885/mo
Today · 4.125%
HK$227,976
baseline
▲ 0.50% · 4.625%
HK$239,993
+HK$12,017/mo
Deposit HK$4.74M · loan HK$42.63M · min. income ≈ HK$455,952/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$2,013,138 · Scale 2, in force from 26 Feb 2026)