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$108,288
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,657
−HK$3,422/mo
Today · 4.125%
HK$115,079
baseline
▲ 0.50% · 4.625%
HK$122,081
+HK$7,002/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$230,158/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,470
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,700
−HK$3,278/mo
Today · 4.125%
HK$126,978
baseline
▲ 0.50% · 4.625%
HK$133,671
+HK$6,693/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$253,956/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,946
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,988
−HK$4,107/mo
Today · 4.125%
HK$138,095
baseline
▲ 0.50% · 4.625%
HK$146,497
+HK$8,402/mo
Deposit HK$19.00M · loan HK$28.49M · min. income ≈ HK$276,190/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,563
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,441
−HK$3,933/mo
Today · 4.125%
HK$152,374
baseline
▲ 0.50% · 4.625%
HK$160,406
+HK$8,032/mo
Deposit HK$19.00M · loan HK$28.49M · min. income ≈ HK$304,748/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,603
−HK$9,507/mo
▼ 0.25% · 3.875%
HK$156,319
−HK$4,791/mo
Today · 4.125%
HK$161,110
baseline
▲ 0.50% · 4.625%
HK$170,914
+HK$9,804/mo
Deposit HK$14.25M · loan HK$33.24M · min. income ≈ HK$322,220/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,657
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$173,181
−HK$4,588/mo
Today · 4.125%
HK$177,769
baseline
▲ 0.50% · 4.625%
HK$187,140
+HK$9,371/mo
Deposit HK$14.25M · loan HK$33.24M · min. income ≈ HK$355,538/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,919
−HK$12,223/mo
▼ 0.25% · 3.875%
HK$200,982
−HK$6,160/mo
Today · 4.125%
HK$207,142
baseline
▲ 0.50% · 4.625%
HK$219,746
+HK$12,604/mo
Deposit HK$4.75M · loan HK$42.74M · min. income ≈ HK$414,284/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,845
−HK$11,716/mo
▼ 0.25% · 3.875%
HK$222,661
−HK$5,900/mo
Today · 4.125%
HK$228,561
baseline
▲ 0.50% · 4.625%
HK$240,608
+HK$12,047/mo
Deposit HK$4.75M · loan HK$42.74M · min. income ≈ HK$457,122/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,304 · Scale 2, in force from 26 Feb 2026)