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$108,190
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,556
−HK$3,419/mo
Today · 4.125%
HK$114,975
baseline
▲ 0.50% · 4.625%
HK$121,971
+HK$6,996/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,950/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,361
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,589
−HK$3,274/mo
Today · 4.125%
HK$126,863
baseline
▲ 0.50% · 4.625%
HK$133,550
+HK$6,687/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,726/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,828
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,867
−HK$4,103/mo
Today · 4.125%
HK$137,970
baseline
▲ 0.50% · 4.625%
HK$146,365
+HK$8,395/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$275,940/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,433
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,306
−HK$3,930/mo
Today · 4.125%
HK$152,236
baseline
▲ 0.50% · 4.625%
HK$160,261
+HK$8,025/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,472/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,466
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$156,178
−HK$4,787/mo
Today · 4.125%
HK$160,965
baseline
▲ 0.50% · 4.625%
HK$170,759
+HK$9,794/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,930/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,505
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,024
−HK$4,585/mo
Today · 4.125%
HK$177,609
baseline
▲ 0.50% · 4.625%
HK$186,971
+HK$9,362/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,218/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,743
−HK$12,212/mo
▼ 0.25% · 3.875%
HK$200,800
−HK$6,155/mo
Today · 4.125%
HK$206,955
baseline
▲ 0.50% · 4.625%
HK$219,547
+HK$12,592/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,910/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,649
−HK$11,705/mo
▼ 0.25% · 3.875%
HK$222,460
−HK$5,894/mo
Today · 4.125%
HK$228,354
baseline
▲ 0.50% · 4.625%
HK$240,391
+HK$12,037/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,708/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,479 · Scale 2, in force from 26 Feb 2026)