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$108,175
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,540
−HK$3,418/mo
Today · 4.125%
HK$114,958
baseline
▲ 0.50% · 4.625%
HK$121,953
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,916/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,344
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,571
−HK$3,274/mo
Today · 4.125%
HK$126,845
baseline
▲ 0.50% · 4.625%
HK$133,532
+HK$6,687/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,690/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,810
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,848
−HK$4,102/mo
Today · 4.125%
HK$137,950
baseline
▲ 0.50% · 4.625%
HK$146,344
+HK$8,394/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$275,900/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,412
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,285
−HK$3,929/mo
Today · 4.125%
HK$152,214
baseline
▲ 0.50% · 4.625%
HK$160,238
+HK$8,024/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$304,428/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,445
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,156
−HK$4,786/mo
Today · 4.125%
HK$160,942
baseline
▲ 0.50% · 4.625%
HK$170,735
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,884/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,481
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$173,000
−HK$4,583/mo
Today · 4.125%
HK$177,583
baseline
▲ 0.50% · 4.625%
HK$186,944
+HK$9,361/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,166/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,715
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,772
−HK$6,153/mo
Today · 4.125%
HK$206,925
baseline
▲ 0.50% · 4.625%
HK$219,516
+HK$12,591/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,850/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,618
−HK$11,704/mo
▼ 0.25% · 3.875%
HK$222,428
−HK$5,894/mo
Today · 4.125%
HK$228,322
baseline
▲ 0.50% · 4.625%
HK$240,357
+HK$12,035/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,644/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,193 · Scale 2, in force from 26 Feb 2026)