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$108,167
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,531
−HK$3,419/mo
Today · 4.125%
HK$114,950
baseline
▲ 0.50% · 4.625%
HK$121,944
+HK$6,994/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,900/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,334
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,562
−HK$3,273/mo
Today · 4.125%
HK$126,835
baseline
▲ 0.50% · 4.625%
HK$133,521
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,670/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,800
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,837
−HK$4,102/mo
Today · 4.125%
HK$137,939
baseline
▲ 0.50% · 4.625%
HK$146,333
+HK$8,394/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$275,878/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,401
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,274
−HK$3,929/mo
Today · 4.125%
HK$152,203
baseline
▲ 0.50% · 4.625%
HK$160,225
+HK$8,022/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$304,406/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,433
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$156,144
−HK$4,785/mo
Today · 4.125%
HK$160,929
baseline
▲ 0.50% · 4.625%
HK$170,722
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,858/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,468
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,986
−HK$4,584/mo
Today · 4.125%
HK$177,570
baseline
▲ 0.50% · 4.625%
HK$186,930
+HK$9,360/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,140/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,700
−HK$12,209/mo
▼ 0.25% · 3.875%
HK$200,756
−HK$6,153/mo
Today · 4.125%
HK$206,909
baseline
▲ 0.50% · 4.625%
HK$219,499
+HK$12,590/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$413,818/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,602
−HK$11,702/mo
▼ 0.25% · 3.875%
HK$222,411
−HK$5,893/mo
Today · 4.125%
HK$228,304
baseline
▲ 0.50% · 4.625%
HK$240,338
+HK$12,034/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$456,608/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,036 · Scale 2, in force from 26 Feb 2026)