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$108,296
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,664
−HK$3,423/mo
Today · 4.125%
HK$115,087
baseline
▲ 0.50% · 4.625%
HK$122,089
+HK$7,002/mo
Deposit HK$23.75M · loan HK$23.75M · min. income ≈ HK$230,174/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,478
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,709
−HK$3,278/mo
Today · 4.125%
HK$126,987
baseline
▲ 0.50% · 4.625%
HK$133,680
+HK$6,693/mo
Deposit HK$23.75M · loan HK$23.75M · min. income ≈ HK$253,974/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,955
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,997
−HK$4,107/mo
Today · 4.125%
HK$138,104
baseline
▲ 0.50% · 4.625%
HK$146,507
+HK$8,403/mo
Deposit HK$19.00M · loan HK$28.50M · min. income ≈ HK$276,208/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,573
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,451
−HK$3,933/mo
Today · 4.125%
HK$152,384
baseline
▲ 0.50% · 4.625%
HK$160,417
+HK$8,033/mo
Deposit HK$19.00M · loan HK$28.50M · min. income ≈ HK$304,768/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,614
−HK$9,507/mo
▼ 0.25% · 3.875%
HK$156,330
−HK$4,791/mo
Today · 4.125%
HK$161,121
baseline
▲ 0.50% · 4.625%
HK$170,925
+HK$9,804/mo
Deposit HK$14.25M · loan HK$33.24M · min. income ≈ HK$322,242/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,669
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$173,192
−HK$4,590/mo
Today · 4.125%
HK$177,782
baseline
▲ 0.50% · 4.625%
HK$187,153
+HK$9,371/mo
Deposit HK$14.25M · loan HK$33.24M · min. income ≈ HK$355,564/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,932
−HK$12,224/mo
▼ 0.25% · 3.875%
HK$200,996
−HK$6,160/mo
Today · 4.125%
HK$207,156
baseline
▲ 0.50% · 4.625%
HK$219,761
+HK$12,605/mo
Deposit HK$4.75M · loan HK$42.74M · min. income ≈ HK$414,312/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,860
−HK$11,716/mo
▼ 0.25% · 3.875%
HK$222,676
−HK$5,900/mo
Today · 4.125%
HK$228,576
baseline
▲ 0.50% · 4.625%
HK$240,625
+HK$12,049/mo
Deposit HK$4.75M · loan HK$42.74M · min. income ≈ HK$457,152/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,441 · Scale 2, in force from 26 Feb 2026)