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$108,360
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,731
−HK$3,424/mo
Today · 4.125%
HK$115,155
baseline
▲ 0.50% · 4.625%
HK$122,162
+HK$7,007/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$230,310/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,550
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,783
−HK$3,280/mo
Today · 4.125%
HK$127,063
baseline
▲ 0.50% · 4.625%
HK$133,760
+HK$6,697/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$254,126/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,032
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$134,077
−HK$4,110/mo
Today · 4.125%
HK$138,187
baseline
▲ 0.50% · 4.625%
HK$146,595
+HK$8,408/mo
Deposit HK$19.01M · loan HK$28.51M · min. income ≈ HK$276,374/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,660
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$148,539
−HK$3,936/mo
Today · 4.125%
HK$152,475
baseline
▲ 0.50% · 4.625%
HK$160,512
+HK$8,037/mo
Deposit HK$19.01M · loan HK$28.51M · min. income ≈ HK$304,950/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,704
−HK$9,514/mo
▼ 0.25% · 3.875%
HK$156,423
−HK$4,795/mo
Today · 4.125%
HK$161,218
baseline
▲ 0.50% · 4.625%
HK$171,027
+HK$9,809/mo
Deposit HK$14.26M · loan HK$33.26M · min. income ≈ HK$322,436/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,770
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$173,296
−HK$4,592/mo
Today · 4.125%
HK$177,888
baseline
▲ 0.50% · 4.625%
HK$187,264
+HK$9,376/mo
Deposit HK$14.26M · loan HK$33.26M · min. income ≈ HK$355,776/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,049
−HK$12,231/mo
▼ 0.25% · 3.875%
HK$201,116
−HK$6,164/mo
Today · 4.125%
HK$207,280
baseline
▲ 0.50% · 4.625%
HK$219,892
+HK$12,612/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$414,560/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,990
−HK$11,723/mo
▼ 0.25% · 3.875%
HK$222,809
−HK$5,904/mo
Today · 4.125%
HK$228,713
baseline
▲ 0.50% · 4.625%
HK$240,769
+HK$12,056/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$457,426/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,647 · Scale 2, in force from 26 Feb 2026)