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$108,698
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,079
−HK$3,435/mo
Today · 4.125%
HK$115,514
baseline
▲ 0.50% · 4.625%
HK$122,543
+HK$7,029/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$231,028/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,925
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,169
−HK$3,290/mo
Today · 4.125%
HK$127,459
baseline
▲ 0.50% · 4.625%
HK$134,177
+HK$6,718/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$254,918/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,438
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$134,495
−HK$4,122/mo
Today · 4.125%
HK$138,617
baseline
▲ 0.50% · 4.625%
HK$147,052
+HK$8,435/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$277,234/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,111
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$149,002
−HK$3,948/mo
Today · 4.125%
HK$152,950
baseline
▲ 0.50% · 4.625%
HK$161,013
+HK$8,063/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$305,900/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,177
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$156,911
−HK$4,809/mo
Today · 4.125%
HK$161,720
baseline
▲ 0.50% · 4.625%
HK$171,560
+HK$9,840/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$323,440/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,296
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$173,836
−HK$4,606/mo
Today · 4.125%
HK$178,442
baseline
▲ 0.50% · 4.625%
HK$187,848
+HK$9,406/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$356,884/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,656
−HK$12,270/mo
▼ 0.25% · 3.875%
HK$201,743
−HK$6,183/mo
Today · 4.125%
HK$207,926
baseline
▲ 0.50% · 4.625%
HK$220,578
+HK$12,652/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$415,852/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,666
−HK$11,760/mo
▼ 0.25% · 3.875%
HK$223,504
−HK$5,922/mo
Today · 4.125%
HK$229,426
baseline
▲ 0.50% · 4.625%
HK$241,519
+HK$12,093/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$458,852/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,942 · Scale 2, in force from 26 Feb 2026)