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$108,416
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,789
−HK$3,426/mo
Today · 4.125%
HK$115,215
baseline
▲ 0.50% · 4.625%
HK$122,226
+HK$7,011/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$230,430/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,612
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,847
−HK$3,281/mo
Today · 4.125%
HK$127,128
baseline
▲ 0.50% · 4.625%
HK$133,829
+HK$6,701/mo
Deposit HK$23.77M · loan HK$23.77M · min. income ≈ HK$254,256/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,100
−HK$8,158/mo
▼ 0.25% · 3.875%
HK$134,146
−HK$4,112/mo
Today · 4.125%
HK$138,258
baseline
▲ 0.50% · 4.625%
HK$146,671
+HK$8,413/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$276,516/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,734
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,616
−HK$3,938/mo
Today · 4.125%
HK$152,554
baseline
▲ 0.50% · 4.625%
HK$160,595
+HK$8,041/mo
Deposit HK$19.02M · loan HK$28.53M · min. income ≈ HK$305,108/mo (50% DSR)
Upfront cash ≈ HK$21.04M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,783
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,504
−HK$4,797/mo
Today · 4.125%
HK$161,301
baseline
▲ 0.50% · 4.625%
HK$171,116
+HK$9,815/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$322,602/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,857
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$173,386
−HK$4,594/mo
Today · 4.125%
HK$177,980
baseline
▲ 0.50% · 4.625%
HK$187,361
+HK$9,381/mo
Deposit HK$14.26M · loan HK$33.28M · min. income ≈ HK$355,960/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,149
−HK$12,238/mo
▼ 0.25% · 3.875%
HK$201,220
−HK$6,167/mo
Today · 4.125%
HK$207,387
baseline
▲ 0.50% · 4.625%
HK$220,006
+HK$12,619/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$414,774/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,102
−HK$11,729/mo
▼ 0.25% · 3.875%
HK$222,924
−HK$5,907/mo
Today · 4.125%
HK$228,831
baseline
▲ 0.50% · 4.625%
HK$240,893
+HK$12,062/mo
Deposit HK$4.75M · loan HK$42.79M · min. income ≈ HK$457,662/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,020,692 · Scale 2, in force from 26 Feb 2026)