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$108,697
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,078
−HK$3,435/mo
Today · 4.125%
HK$115,513
baseline
▲ 0.50% · 4.625%
HK$122,542
+HK$7,029/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$231,026/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,924
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,167
−HK$3,291/mo
Today · 4.125%
HK$127,458
baseline
▲ 0.50% · 4.625%
HK$134,176
+HK$6,718/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$254,916/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,436
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$134,494
−HK$4,122/mo
Today · 4.125%
HK$138,616
baseline
▲ 0.50% · 4.625%
HK$147,050
+HK$8,434/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$277,232/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,109
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$149,001
−HK$3,948/mo
Today · 4.125%
HK$152,949
baseline
▲ 0.50% · 4.625%
HK$161,011
+HK$8,062/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$305,898/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,176
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,909
−HK$4,810/mo
Today · 4.125%
HK$161,719
baseline
▲ 0.50% · 4.625%
HK$171,559
+HK$9,840/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$323,438/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,294
−HK$9,147/mo
▼ 0.25% · 3.875%
HK$173,834
−HK$4,607/mo
Today · 4.125%
HK$178,441
baseline
▲ 0.50% · 4.625%
HK$187,846
+HK$9,405/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$356,882/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,655
−HK$12,269/mo
▼ 0.25% · 3.875%
HK$201,741
−HK$6,183/mo
Today · 4.125%
HK$207,924
baseline
▲ 0.50% · 4.625%
HK$220,576
+HK$12,652/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$415,848/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,664
−HK$11,760/mo
▼ 0.25% · 3.875%
HK$223,501
−HK$5,923/mo
Today · 4.125%
HK$229,424
baseline
▲ 0.50% · 4.625%
HK$241,517
+HK$12,093/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$458,848/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,924 · Scale 2, in force from 26 Feb 2026)