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$108,603
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,982
−HK$3,432/mo
Today · 4.125%
HK$115,414
baseline
▲ 0.50% · 4.625%
HK$122,436
+HK$7,022/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$230,828/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,820
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,061
−HK$3,287/mo
Today · 4.125%
HK$127,348
baseline
▲ 0.50% · 4.625%
HK$134,060
+HK$6,712/mo
Deposit HK$23.81M · loan HK$23.81M · min. income ≈ HK$254,696/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,324
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,378
−HK$4,119/mo
Today · 4.125%
HK$138,497
baseline
▲ 0.50% · 4.625%
HK$146,924
+HK$8,427/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$276,994/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,984
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,873
−HK$3,944/mo
Today · 4.125%
HK$152,817
baseline
▲ 0.50% · 4.625%
HK$160,873
+HK$8,056/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$305,634/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,045
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$156,774
−HK$4,805/mo
Today · 4.125%
HK$161,579
baseline
▲ 0.50% · 4.625%
HK$171,411
+HK$9,832/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$323,158/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,148
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,685
−HK$4,602/mo
Today · 4.125%
HK$178,287
baseline
▲ 0.50% · 4.625%
HK$187,685
+HK$9,398/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$356,574/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,486
−HK$12,259/mo
▼ 0.25% · 3.875%
HK$201,567
−HK$6,178/mo
Today · 4.125%
HK$207,745
baseline
▲ 0.50% · 4.625%
HK$220,386
+HK$12,641/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$415,490/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,476
−HK$11,750/mo
▼ 0.25% · 3.875%
HK$223,309
−HK$5,917/mo
Today · 4.125%
HK$229,226
baseline
▲ 0.50% · 4.625%
HK$241,309
+HK$12,083/mo
Deposit HK$4.76M · loan HK$42.86M · min. income ≈ HK$458,452/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,179 · Scale 2, in force from 26 Feb 2026)