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$108,422
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,795
−HK$3,427/mo
Today · 4.125%
HK$115,222
baseline
▲ 0.50% · 4.625%
HK$122,232
+HK$7,010/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$230,444/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,619
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,854
−HK$3,282/mo
Today · 4.125%
HK$127,136
baseline
▲ 0.50% · 4.625%
HK$133,837
+HK$6,701/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$254,272/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,107
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,154
−HK$4,112/mo
Today · 4.125%
HK$138,266
baseline
▲ 0.50% · 4.625%
HK$146,679
+HK$8,413/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,532/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,743
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,625
−HK$3,938/mo
Today · 4.125%
HK$152,563
baseline
▲ 0.50% · 4.625%
HK$160,605
+HK$8,042/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,126/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,791
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,513
−HK$4,797/mo
Today · 4.125%
HK$161,310
baseline
▲ 0.50% · 4.625%
HK$171,125
+HK$9,815/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$322,620/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,867
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$173,395
−HK$4,595/mo
Today · 4.125%
HK$177,990
baseline
▲ 0.50% · 4.625%
HK$187,372
+HK$9,382/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$355,980/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,160
−HK$12,239/mo
▼ 0.25% · 3.875%
HK$201,231
−HK$6,168/mo
Today · 4.125%
HK$207,399
baseline
▲ 0.50% · 4.625%
HK$220,018
+HK$12,619/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$414,798/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,114
−HK$11,730/mo
▼ 0.25% · 3.875%
HK$222,937
−HK$5,907/mo
Today · 4.125%
HK$228,844
baseline
▲ 0.50% · 4.625%
HK$240,907
+HK$12,063/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$457,688/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,806 · Scale 2, in force from 26 Feb 2026)