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$108,107
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,470
−HK$3,416/mo
Today · 4.125%
HK$114,886
baseline
▲ 0.50% · 4.625%
HK$121,877
+HK$6,991/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$229,772/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,268
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,493
−HK$3,273/mo
Today · 4.125%
HK$126,766
baseline
▲ 0.50% · 4.625%
HK$133,448
+HK$6,682/mo
Deposit HK$23.71M · loan HK$23.71M · min. income ≈ HK$253,532/mo (50% DSR)
Upfront cash ≈ HK$25.72M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,728
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$133,764
−HK$4,100/mo
Today · 4.125%
HK$137,864
baseline
▲ 0.50% · 4.625%
HK$146,252
+HK$8,388/mo
Deposit HK$18.96M · loan HK$28.45M · min. income ≈ HK$275,728/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,322
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,192
−HK$3,927/mo
Today · 4.125%
HK$152,119
baseline
▲ 0.50% · 4.625%
HK$160,137
+HK$8,018/mo
Deposit HK$18.96M · loan HK$28.45M · min. income ≈ HK$304,238/mo (50% DSR)
Upfront cash ≈ HK$20.98M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,350
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$156,058
−HK$4,783/mo
Today · 4.125%
HK$160,841
baseline
▲ 0.50% · 4.625%
HK$170,628
+HK$9,787/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$321,682/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,375
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$172,891
−HK$4,581/mo
Today · 4.125%
HK$177,472
baseline
▲ 0.50% · 4.625%
HK$186,827
+HK$9,355/mo
Deposit HK$14.22M · loan HK$33.19M · min. income ≈ HK$354,944/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,593
−HK$12,202/mo
▼ 0.25% · 3.875%
HK$200,646
−HK$6,149/mo
Today · 4.125%
HK$206,795
baseline
▲ 0.50% · 4.625%
HK$219,378
+HK$12,583/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$413,590/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,482
−HK$11,696/mo
▼ 0.25% · 3.875%
HK$222,288
−HK$5,890/mo
Today · 4.125%
HK$228,178
baseline
▲ 0.50% · 4.625%
HK$240,206
+HK$12,028/mo
Deposit HK$4.74M · loan HK$42.67M · min. income ≈ HK$456,356/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,014,927 · Scale 2, in force from 26 Feb 2026)