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$108,177
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,541
−HK$3,419/mo
Today · 4.125%
HK$114,960
baseline
▲ 0.50% · 4.625%
HK$121,955
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,920/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,345
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,573
−HK$3,274/mo
Today · 4.125%
HK$126,847
baseline
▲ 0.50% · 4.625%
HK$133,533
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,694/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,812
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,850
−HK$4,102/mo
Today · 4.125%
HK$137,952
baseline
▲ 0.50% · 4.625%
HK$146,346
+HK$8,394/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$275,904/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,414
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,287
−HK$3,930/mo
Today · 4.125%
HK$152,217
baseline
▲ 0.50% · 4.625%
HK$160,240
+HK$8,023/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$304,434/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,447
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,158
−HK$4,786/mo
Today · 4.125%
HK$160,944
baseline
▲ 0.50% · 4.625%
HK$170,737
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,888/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,483
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$173,002
−HK$4,584/mo
Today · 4.125%
HK$177,586
baseline
▲ 0.50% · 4.625%
HK$186,947
+HK$9,361/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,172/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,718
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,775
−HK$6,153/mo
Today · 4.125%
HK$206,928
baseline
▲ 0.50% · 4.625%
HK$219,519
+HK$12,591/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,856/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,622
−HK$11,703/mo
▼ 0.25% · 3.875%
HK$222,431
−HK$5,894/mo
Today · 4.125%
HK$228,325
baseline
▲ 0.50% · 4.625%
HK$240,360
+HK$12,035/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,650/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,222 · Scale 2, in force from 26 Feb 2026)