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$108,192
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,557
−HK$3,419/mo
Today · 4.125%
HK$114,976
baseline
▲ 0.50% · 4.625%
HK$121,972
+HK$6,996/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,952/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,362
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,590
−HK$3,275/mo
Today · 4.125%
HK$126,865
baseline
▲ 0.50% · 4.625%
HK$133,552
+HK$6,687/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,730/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,830
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,869
−HK$4,103/mo
Today · 4.125%
HK$137,972
baseline
▲ 0.50% · 4.625%
HK$146,367
+HK$8,395/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$275,944/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,435
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,308
−HK$3,930/mo
Today · 4.125%
HK$152,238
baseline
▲ 0.50% · 4.625%
HK$160,263
+HK$8,025/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,476/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,469
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,180
−HK$4,787/mo
Today · 4.125%
HK$160,967
baseline
▲ 0.50% · 4.625%
HK$170,761
+HK$9,794/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,934/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,507
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,027
−HK$4,584/mo
Today · 4.125%
HK$177,611
baseline
▲ 0.50% · 4.625%
HK$186,973
+HK$9,362/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,222/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,745
−HK$12,213/mo
▼ 0.25% · 3.875%
HK$200,803
−HK$6,155/mo
Today · 4.125%
HK$206,958
baseline
▲ 0.50% · 4.625%
HK$219,550
+HK$12,592/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,916/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,652
−HK$11,705/mo
▼ 0.25% · 3.875%
HK$222,463
−HK$5,894/mo
Today · 4.125%
HK$228,357
baseline
▲ 0.50% · 4.625%
HK$240,394
+HK$12,037/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,714/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,507 · Scale 2, in force from 26 Feb 2026)