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$108,174
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,539
−HK$3,418/mo
Today · 4.125%
HK$114,957
baseline
▲ 0.50% · 4.625%
HK$121,952
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,914/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,342
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,570
−HK$3,274/mo
Today · 4.125%
HK$126,844
baseline
▲ 0.50% · 4.625%
HK$133,530
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,688/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,809
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,847
−HK$4,102/mo
Today · 4.125%
HK$137,949
baseline
▲ 0.50% · 4.625%
HK$146,343
+HK$8,394/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$275,898/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,411
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,284
−HK$3,929/mo
Today · 4.125%
HK$152,213
baseline
▲ 0.50% · 4.625%
HK$160,236
+HK$8,023/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$304,426/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,444
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$156,154
−HK$4,786/mo
Today · 4.125%
HK$160,940
baseline
▲ 0.50% · 4.625%
HK$170,733
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,880/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,479
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$172,998
−HK$4,584/mo
Today · 4.125%
HK$177,582
baseline
▲ 0.50% · 4.625%
HK$186,942
+HK$9,360/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,164/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,713
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,770
−HK$6,153/mo
Today · 4.125%
HK$206,923
baseline
▲ 0.50% · 4.625%
HK$219,514
+HK$12,591/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,846/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,616
−HK$11,703/mo
▼ 0.25% · 3.875%
HK$222,426
−HK$5,893/mo
Today · 4.125%
HK$228,319
baseline
▲ 0.50% · 4.625%
HK$240,354
+HK$12,035/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,638/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,174 · Scale 2, in force from 26 Feb 2026)