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$108,119
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,482
−HK$3,417/mo
Today · 4.125%
HK$114,899
baseline
▲ 0.50% · 4.625%
HK$121,890
+HK$6,991/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$229,798/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,281
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,507
−HK$3,273/mo
Today · 4.125%
HK$126,780
baseline
▲ 0.50% · 4.625%
HK$133,462
+HK$6,682/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$253,560/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,743
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,779
−HK$4,100/mo
Today · 4.125%
HK$137,879
baseline
▲ 0.50% · 4.625%
HK$146,268
+HK$8,389/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$275,758/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,338
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$148,209
−HK$3,927/mo
Today · 4.125%
HK$152,136
baseline
▲ 0.50% · 4.625%
HK$160,155
+HK$8,019/mo
Deposit HK$18.97M · loan HK$28.45M · min. income ≈ HK$304,272/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,367
−HK$9,492/mo
▼ 0.25% · 3.875%
HK$156,075
−HK$4,784/mo
Today · 4.125%
HK$160,859
baseline
▲ 0.50% · 4.625%
HK$170,646
+HK$9,787/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$321,718/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,394
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$172,910
−HK$4,582/mo
Today · 4.125%
HK$177,492
baseline
▲ 0.50% · 4.625%
HK$186,847
+HK$9,355/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$354,984/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,614
−HK$12,204/mo
▼ 0.25% · 3.875%
HK$200,668
−HK$6,150/mo
Today · 4.125%
HK$206,818
baseline
▲ 0.50% · 4.625%
HK$219,403
+HK$12,585/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$413,636/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,506
−HK$11,697/mo
▼ 0.25% · 3.875%
HK$222,313
−HK$5,890/mo
Today · 4.125%
HK$228,203
baseline
▲ 0.50% · 4.625%
HK$240,232
+HK$12,029/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$456,406/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,150 · Scale 2, in force from 26 Feb 2026)