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$108,178
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,543
−HK$3,418/mo
Today · 4.125%
HK$114,961
baseline
▲ 0.50% · 4.625%
HK$121,956
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,922/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,347
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,574
−HK$3,275/mo
Today · 4.125%
HK$126,849
baseline
▲ 0.50% · 4.625%
HK$133,535
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,698/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,813
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,851
−HK$4,103/mo
Today · 4.125%
HK$137,954
baseline
▲ 0.50% · 4.625%
HK$146,348
+HK$8,394/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$275,908/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,416
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,289
−HK$3,929/mo
Today · 4.125%
HK$152,218
baseline
▲ 0.50% · 4.625%
HK$160,242
+HK$8,024/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$304,436/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,449
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,160
−HK$4,786/mo
Today · 4.125%
HK$160,946
baseline
▲ 0.50% · 4.625%
HK$170,739
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,892/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,485
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$173,004
−HK$4,584/mo
Today · 4.125%
HK$177,588
baseline
▲ 0.50% · 4.625%
HK$186,949
+HK$9,361/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,176/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,720
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,777
−HK$6,153/mo
Today · 4.125%
HK$206,930
baseline
▲ 0.50% · 4.625%
HK$219,522
+HK$12,592/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,860/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,624
−HK$11,703/mo
▼ 0.25% · 3.875%
HK$222,434
−HK$5,893/mo
Today · 4.125%
HK$228,327
baseline
▲ 0.50% · 4.625%
HK$240,363
+HK$12,036/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,654/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,243 · Scale 2, in force from 26 Feb 2026)