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$107,468
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,811
−HK$3,396/mo
Today · 4.125%
HK$114,207
baseline
▲ 0.50% · 4.625%
HK$121,156
+HK$6,949/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$228,414/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,557
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,764
−HK$3,252/mo
Today · 4.125%
HK$126,016
baseline
▲ 0.50% · 4.625%
HK$132,659
+HK$6,643/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$252,032/mo (50% DSR)
Upfront cash ≈ HK$25.57M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,962
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$132,973
−HK$4,076/mo
Today · 4.125%
HK$137,049
baseline
▲ 0.50% · 4.625%
HK$145,388
+HK$8,339/mo
Deposit HK$18.85M · loan HK$28.28M · min. income ≈ HK$274,098/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,468
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$147,316
−HK$3,904/mo
Today · 4.125%
HK$151,220
baseline
▲ 0.50% · 4.625%
HK$159,191
+HK$7,971/mo
Deposit HK$18.85M · loan HK$28.28M · min. income ≈ HK$302,440/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,455
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$155,135
−HK$4,755/mo
Today · 4.125%
HK$159,890
baseline
▲ 0.50% · 4.625%
HK$169,619
+HK$9,729/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$319,780/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,380
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$171,869
−HK$4,554/mo
Today · 4.125%
HK$176,423
baseline
▲ 0.50% · 4.625%
HK$185,722
+HK$9,299/mo
Deposit HK$14.14M · loan HK$32.99M · min. income ≈ HK$352,846/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,442
−HK$12,131/mo
▼ 0.25% · 3.875%
HK$199,460
−HK$6,113/mo
Today · 4.125%
HK$205,573
baseline
▲ 0.50% · 4.625%
HK$218,082
+HK$12,509/mo
Deposit HK$4.71M · loan HK$42.42M · min. income ≈ HK$411,146/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,203
−HK$11,626/mo
▼ 0.25% · 3.875%
HK$220,974
−HK$5,855/mo
Today · 4.125%
HK$226,829
baseline
▲ 0.50% · 4.625%
HK$238,786
+HK$11,957/mo
Deposit HK$4.71M · loan HK$42.42M · min. income ≈ HK$453,658/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,003,016 · Scale 2, in force from 26 Feb 2026)