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$108,505
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,880
−HK$3,430/mo
Today · 4.125%
HK$115,310
baseline
▲ 0.50% · 4.625%
HK$122,326
+HK$7,016/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$230,620/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,711
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,949
−HK$3,284/mo
Today · 4.125%
HK$127,233
baseline
▲ 0.50% · 4.625%
HK$133,939
+HK$6,706/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$254,466/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,206
−HK$8,165/mo
▼ 0.25% · 3.875%
HK$134,257
−HK$4,114/mo
Today · 4.125%
HK$138,371
baseline
▲ 0.50% · 4.625%
HK$146,791
+HK$8,420/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$276,742/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,853
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,738
−HK$3,941/mo
Today · 4.125%
HK$152,679
baseline
▲ 0.50% · 4.625%
HK$160,727
+HK$8,048/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$305,358/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,907
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,633
−HK$4,800/mo
Today · 4.125%
HK$161,433
baseline
▲ 0.50% · 4.625%
HK$171,256
+HK$9,823/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$322,866/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,996
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,528
−HK$4,598/mo
Today · 4.125%
HK$178,126
baseline
▲ 0.50% · 4.625%
HK$187,515
+HK$9,389/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$356,252/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,310
−HK$12,247/mo
▼ 0.25% · 3.875%
HK$201,385
−HK$6,172/mo
Today · 4.125%
HK$207,557
baseline
▲ 0.50% · 4.625%
HK$220,187
+HK$12,630/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$415,114/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,280
−HK$11,739/mo
▼ 0.25% · 3.875%
HK$223,107
−HK$5,912/mo
Today · 4.125%
HK$229,019
baseline
▲ 0.50% · 4.625%
HK$241,091
+HK$12,072/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$458,038/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,351 · Scale 2, in force from 26 Feb 2026)