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$108,611
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,990
−HK$3,432/mo
Today · 4.125%
HK$115,422
baseline
▲ 0.50% · 4.625%
HK$122,445
+HK$7,023/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$230,844/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,829
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,070
−HK$3,287/mo
Today · 4.125%
HK$127,357
baseline
▲ 0.50% · 4.625%
HK$134,070
+HK$6,713/mo
Deposit HK$23.82M · loan HK$23.82M · min. income ≈ HK$254,714/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,334
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,388
−HK$4,119/mo
Today · 4.125%
HK$138,507
baseline
▲ 0.50% · 4.625%
HK$146,935
+HK$8,428/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$277,014/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,995
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$148,884
−HK$3,945/mo
Today · 4.125%
HK$152,829
baseline
▲ 0.50% · 4.625%
HK$160,884
+HK$8,055/mo
Deposit HK$19.05M · loan HK$28.58M · min. income ≈ HK$305,658/mo (50% DSR)
Upfront cash ≈ HK$21.08M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,056
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$156,786
−HK$4,805/mo
Today · 4.125%
HK$161,591
baseline
▲ 0.50% · 4.625%
HK$171,424
+HK$9,833/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$323,182/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,161
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$173,698
−HK$4,602/mo
Today · 4.125%
HK$178,300
baseline
▲ 0.50% · 4.625%
HK$187,698
+HK$9,398/mo
Deposit HK$14.29M · loan HK$33.34M · min. income ≈ HK$356,600/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,501
−HK$12,259/mo
▼ 0.25% · 3.875%
HK$201,582
−HK$6,178/mo
Today · 4.125%
HK$207,760
baseline
▲ 0.50% · 4.625%
HK$220,402
+HK$12,642/mo
Deposit HK$4.76M · loan HK$42.87M · min. income ≈ HK$415,520/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,492
−HK$11,751/mo
▼ 0.25% · 3.875%
HK$223,325
−HK$5,918/mo
Today · 4.125%
HK$229,243
baseline
▲ 0.50% · 4.625%
HK$241,326
+HK$12,083/mo
Deposit HK$4.76M · loan HK$42.87M · min. income ≈ HK$458,486/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$2,024,327 · Scale 2, in force from 26 Feb 2026)