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$108,564
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,941
−HK$3,431/mo
Today · 4.125%
HK$115,372
baseline
▲ 0.50% · 4.625%
HK$122,392
+HK$7,020/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$230,744/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,777
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,016
−HK$3,286/mo
Today · 4.125%
HK$127,302
baseline
▲ 0.50% · 4.625%
HK$134,012
+HK$6,710/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$254,604/mo (50% DSR)
Upfront cash ≈ HK$25.83M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,277
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,330
−HK$4,117/mo
Today · 4.125%
HK$138,447
baseline
▲ 0.50% · 4.625%
HK$146,871
+HK$8,424/mo
Deposit HK$19.04M · loan HK$28.57M · min. income ≈ HK$276,894/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,932
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,819
−HK$3,943/mo
Today · 4.125%
HK$152,762
baseline
▲ 0.50% · 4.625%
HK$160,815
+HK$8,053/mo
Deposit HK$19.04M · loan HK$28.57M · min. income ≈ HK$305,524/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,990
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$156,718
−HK$4,803/mo
Today · 4.125%
HK$161,521
baseline
▲ 0.50% · 4.625%
HK$171,349
+HK$9,828/mo
Deposit HK$14.28M · loan HK$33.33M · min. income ≈ HK$323,042/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,087
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$173,622
−HK$4,601/mo
Today · 4.125%
HK$178,223
baseline
▲ 0.50% · 4.625%
HK$187,617
+HK$9,394/mo
Deposit HK$14.28M · loan HK$33.33M · min. income ≈ HK$356,446/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,416
−HK$12,254/mo
▼ 0.25% · 3.875%
HK$201,494
−HK$6,176/mo
Today · 4.125%
HK$207,670
baseline
▲ 0.50% · 4.625%
HK$220,306
+HK$12,636/mo
Deposit HK$4.76M · loan HK$42.85M · min. income ≈ HK$415,340/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,398
−HK$11,745/mo
▼ 0.25% · 3.875%
HK$223,229
−HK$5,914/mo
Today · 4.125%
HK$229,143
baseline
▲ 0.50% · 4.625%
HK$241,222
+HK$12,079/mo
Deposit HK$4.76M · loan HK$42.85M · min. income ≈ HK$458,286/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,023,450 · Scale 2, in force from 26 Feb 2026)