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$108,596
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,974
−HK$3,432/mo
Today · 4.125%
HK$115,406
baseline
▲ 0.50% · 4.625%
HK$122,429
+HK$7,023/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$230,812/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,812
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,053
−HK$3,287/mo
Today · 4.125%
HK$127,340
baseline
▲ 0.50% · 4.625%
HK$134,052
+HK$6,712/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$254,680/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,316
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,369
−HK$4,119/mo
Today · 4.125%
HK$138,488
baseline
▲ 0.50% · 4.625%
HK$146,914
+HK$8,426/mo
Deposit HK$19.05M · loan HK$28.57M · min. income ≈ HK$276,976/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,975
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,863
−HK$3,945/mo
Today · 4.125%
HK$152,808
baseline
▲ 0.50% · 4.625%
HK$160,862
+HK$8,054/mo
Deposit HK$19.05M · loan HK$28.57M · min. income ≈ HK$305,616/mo (50% DSR)
Upfront cash ≈ HK$21.07M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,035
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$156,764
−HK$4,805/mo
Today · 4.125%
HK$161,569
baseline
▲ 0.50% · 4.625%
HK$171,400
+HK$9,831/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$323,138/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,137
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$173,674
−HK$4,601/mo
Today · 4.125%
HK$178,275
baseline
▲ 0.50% · 4.625%
HK$187,673
+HK$9,398/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$356,550/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,474
−HK$12,258/mo
▼ 0.25% · 3.875%
HK$201,554
−HK$6,178/mo
Today · 4.125%
HK$207,732
baseline
▲ 0.50% · 4.625%
HK$220,372
+HK$12,640/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$415,464/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,462
−HK$11,749/mo
▼ 0.25% · 3.875%
HK$223,295
−HK$5,916/mo
Today · 4.125%
HK$229,211
baseline
▲ 0.50% · 4.625%
HK$241,293
+HK$12,082/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$458,422/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,049 · Scale 2, in force from 26 Feb 2026)