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$108,153
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,518
−HK$3,418/mo
Today · 4.125%
HK$114,936
baseline
▲ 0.50% · 4.625%
HK$121,929
+HK$6,993/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,872/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,320
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,546
−HK$3,274/mo
Today · 4.125%
HK$126,820
baseline
▲ 0.50% · 4.625%
HK$133,505
+HK$6,685/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,640/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,784
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,821
−HK$4,102/mo
Today · 4.125%
HK$137,923
baseline
▲ 0.50% · 4.625%
HK$146,315
+HK$8,392/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$275,846/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,383
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$148,256
−HK$3,928/mo
Today · 4.125%
HK$152,184
baseline
▲ 0.50% · 4.625%
HK$160,206
+HK$8,022/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$304,368/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,415
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$156,125
−HK$4,785/mo
Today · 4.125%
HK$160,910
baseline
▲ 0.50% · 4.625%
HK$170,701
+HK$9,791/mo
Deposit HK$14.23M · loan HK$33.20M · min. income ≈ HK$321,820/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,447
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$172,965
−HK$4,583/mo
Today · 4.125%
HK$177,548
baseline
▲ 0.50% · 4.625%
HK$186,907
+HK$9,359/mo
Deposit HK$14.23M · loan HK$33.20M · min. income ≈ HK$355,096/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,676
−HK$12,208/mo
▼ 0.25% · 3.875%
HK$200,732
−HK$6,152/mo
Today · 4.125%
HK$206,884
baseline
▲ 0.50% · 4.625%
HK$219,472
+HK$12,588/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$413,768/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,575
−HK$11,701/mo
▼ 0.25% · 3.875%
HK$222,384
−HK$5,892/mo
Today · 4.125%
HK$228,276
baseline
▲ 0.50% · 4.625%
HK$240,309
+HK$12,033/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$456,552/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,015,790 · Scale 2, in force from 26 Feb 2026)