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$108,619
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,997
−HK$3,433/mo
Today · 4.125%
HK$115,430
baseline
▲ 0.50% · 4.625%
HK$122,454
+HK$7,024/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$230,860/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,837
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,078
−HK$3,288/mo
Today · 4.125%
HK$127,366
baseline
▲ 0.50% · 4.625%
HK$134,079
+HK$6,713/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$254,732/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,342
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$134,397
−HK$4,119/mo
Today · 4.125%
HK$138,516
baseline
▲ 0.50% · 4.625%
HK$146,944
+HK$8,428/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$277,032/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,004
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$148,893
−HK$3,946/mo
Today · 4.125%
HK$152,839
baseline
▲ 0.50% · 4.625%
HK$160,895
+HK$8,056/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$305,678/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,066
−HK$9,536/mo
▼ 0.25% · 3.875%
HK$156,796
−HK$4,806/mo
Today · 4.125%
HK$161,602
baseline
▲ 0.50% · 4.625%
HK$171,435
+HK$9,833/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$323,204/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,172
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$173,709
−HK$4,603/mo
Today · 4.125%
HK$178,312
baseline
▲ 0.50% · 4.625%
HK$187,711
+HK$9,399/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$356,624/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,513
−HK$12,261/mo
▼ 0.25% · 3.875%
HK$201,595
−HK$6,179/mo
Today · 4.125%
HK$207,774
baseline
▲ 0.50% · 4.625%
HK$220,416
+HK$12,642/mo
Deposit HK$4.76M · loan HK$42.87M · min. income ≈ HK$415,548/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,507
−HK$11,751/mo
▼ 0.25% · 3.875%
HK$223,340
−HK$5,918/mo
Today · 4.125%
HK$229,258
baseline
▲ 0.50% · 4.625%
HK$241,342
+HK$12,084/mo
Deposit HK$4.76M · loan HK$42.87M · min. income ≈ HK$458,516/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,461 · Scale 2, in force from 26 Feb 2026)