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$108,225
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,592
−HK$3,420/mo
Today · 4.125%
HK$115,012
baseline
▲ 0.50% · 4.625%
HK$122,010
+HK$6,998/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$230,024/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,400
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,629
−HK$3,275/mo
Today · 4.125%
HK$126,904
baseline
▲ 0.50% · 4.625%
HK$133,594
+HK$6,690/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$253,808/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,870
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$133,910
−HK$4,104/mo
Today · 4.125%
HK$138,014
baseline
▲ 0.50% · 4.625%
HK$146,412
+HK$8,398/mo
Deposit HK$18.98M · loan HK$28.48M · min. income ≈ HK$276,028/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,480
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$148,354
−HK$3,931/mo
Today · 4.125%
HK$152,285
baseline
▲ 0.50% · 4.625%
HK$160,312
+HK$8,027/mo
Deposit HK$18.98M · loan HK$28.48M · min. income ≈ HK$304,570/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,515
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,228
−HK$4,789/mo
Today · 4.125%
HK$161,017
baseline
▲ 0.50% · 4.625%
HK$170,814
+HK$9,797/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$322,034/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,559
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$173,080
−HK$4,586/mo
Today · 4.125%
HK$177,666
baseline
▲ 0.50% · 4.625%
HK$187,031
+HK$9,365/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$355,332/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,806
−HK$12,216/mo
▼ 0.25% · 3.875%
HK$200,865
−HK$6,157/mo
Today · 4.125%
HK$207,022
baseline
▲ 0.50% · 4.625%
HK$219,618
+HK$12,596/mo
Deposit HK$4.75M · loan HK$42.72M · min. income ≈ HK$414,044/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,719
−HK$11,709/mo
▼ 0.25% · 3.875%
HK$222,532
−HK$5,896/mo
Today · 4.125%
HK$228,428
baseline
▲ 0.50% · 4.625%
HK$240,469
+HK$12,041/mo
Deposit HK$4.75M · loan HK$42.72M · min. income ≈ HK$456,856/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,132 · Scale 2, in force from 26 Feb 2026)