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$108,171
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,536
−HK$3,418/mo
Today · 4.125%
HK$114,954
baseline
▲ 0.50% · 4.625%
HK$121,949
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,908/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,339
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,567
−HK$3,274/mo
Today · 4.125%
HK$126,841
baseline
▲ 0.50% · 4.625%
HK$133,527
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,682/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,805
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,843
−HK$4,102/mo
Today · 4.125%
HK$137,945
baseline
▲ 0.50% · 4.625%
HK$146,339
+HK$8,394/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$275,890/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,407
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,280
−HK$3,929/mo
Today · 4.125%
HK$152,209
baseline
▲ 0.50% · 4.625%
HK$160,232
+HK$8,023/mo
Deposit HK$18.98M · loan HK$28.46M · min. income ≈ HK$304,418/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,439
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,150
−HK$4,786/mo
Today · 4.125%
HK$160,936
baseline
▲ 0.50% · 4.625%
HK$170,729
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,872/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,475
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,993
−HK$4,584/mo
Today · 4.125%
HK$177,577
baseline
▲ 0.50% · 4.625%
HK$186,937
+HK$9,360/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,154/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,708
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,764
−HK$6,154/mo
Today · 4.125%
HK$206,918
baseline
▲ 0.50% · 4.625%
HK$219,508
+HK$12,590/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$413,836/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,611
−HK$11,702/mo
▼ 0.25% · 3.875%
HK$222,420
−HK$5,893/mo
Today · 4.125%
HK$228,313
baseline
▲ 0.50% · 4.625%
HK$240,348
+HK$12,035/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$456,626/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,120 · Scale 2, in force from 26 Feb 2026)