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$108,689
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,070
−HK$3,435/mo
Today · 4.125%
HK$115,505
baseline
▲ 0.50% · 4.625%
HK$122,533
+HK$7,028/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$231,010/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,916
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,159
−HK$3,289/mo
Today · 4.125%
HK$127,448
baseline
▲ 0.50% · 4.625%
HK$134,166
+HK$6,718/mo
Deposit HK$23.83M · loan HK$23.83M · min. income ≈ HK$254,896/mo (50% DSR)
Upfront cash ≈ HK$25.86M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,427
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$134,484
−HK$4,122/mo
Today · 4.125%
HK$138,606
baseline
▲ 0.50% · 4.625%
HK$147,040
+HK$8,434/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$277,212/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,099
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$148,990
−HK$3,948/mo
Today · 4.125%
HK$152,938
baseline
▲ 0.50% · 4.625%
HK$161,000
+HK$8,062/mo
Deposit HK$19.07M · loan HK$28.60M · min. income ≈ HK$305,876/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,165
−HK$9,542/mo
▼ 0.25% · 3.875%
HK$156,898
−HK$4,809/mo
Today · 4.125%
HK$161,707
baseline
▲ 0.50% · 4.625%
HK$171,547
+HK$9,840/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$323,414/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,282
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$173,822
−HK$4,606/mo
Today · 4.125%
HK$178,428
baseline
▲ 0.50% · 4.625%
HK$187,833
+HK$9,405/mo
Deposit HK$14.30M · loan HK$33.37M · min. income ≈ HK$356,856/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,641
−HK$12,268/mo
▼ 0.25% · 3.875%
HK$201,726
−HK$6,183/mo
Today · 4.125%
HK$207,909
baseline
▲ 0.50% · 4.625%
HK$220,560
+HK$12,651/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$415,818/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,648
−HK$11,759/mo
▼ 0.25% · 3.875%
HK$223,485
−HK$5,922/mo
Today · 4.125%
HK$229,407
baseline
▲ 0.50% · 4.625%
HK$241,499
+HK$12,092/mo
Deposit HK$4.77M · loan HK$42.90M · min. income ≈ HK$458,814/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,025,778 · Scale 2, in force from 26 Feb 2026)