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$108,331
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,701
−HK$3,424/mo
Today · 4.125%
HK$115,125
baseline
▲ 0.50% · 4.625%
HK$122,130
+HK$7,005/mo
Deposit HK$23.75M · loan HK$23.75M · min. income ≈ HK$230,250/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,517
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,750
−HK$3,279/mo
Today · 4.125%
HK$127,029
baseline
▲ 0.50% · 4.625%
HK$133,724
+HK$6,695/mo
Deposit HK$23.75M · loan HK$23.75M · min. income ≈ HK$254,058/mo (50% DSR)
Upfront cash ≈ HK$25.77M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,997
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$134,041
−HK$4,108/mo
Today · 4.125%
HK$138,149
baseline
▲ 0.50% · 4.625%
HK$146,556
+HK$8,407/mo
Deposit HK$19.00M · loan HK$28.51M · min. income ≈ HK$276,298/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,621
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$148,500
−HK$3,934/mo
Today · 4.125%
HK$152,434
baseline
▲ 0.50% · 4.625%
HK$160,469
+HK$8,035/mo
Deposit HK$19.00M · loan HK$28.51M · min. income ≈ HK$304,868/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,664
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$156,381
−HK$4,793/mo
Today · 4.125%
HK$161,174
baseline
▲ 0.50% · 4.625%
HK$170,981
+HK$9,807/mo
Deposit HK$14.25M · loan HK$33.26M · min. income ≈ HK$322,348/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,724
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$173,249
−HK$4,591/mo
Today · 4.125%
HK$177,840
baseline
▲ 0.50% · 4.625%
HK$187,214
+HK$9,374/mo
Deposit HK$14.25M · loan HK$33.26M · min. income ≈ HK$355,680/mo (50% DSR)
Upfront cash ≈ HK$16.27M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,996
−HK$12,228/mo
▼ 0.25% · 3.875%
HK$201,062
−HK$6,162/mo
Today · 4.125%
HK$207,224
baseline
▲ 0.50% · 4.625%
HK$219,833
+HK$12,609/mo
Deposit HK$4.75M · loan HK$42.76M · min. income ≈ HK$414,448/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,931
−HK$11,720/mo
▼ 0.25% · 3.875%
HK$222,749
−HK$5,902/mo
Today · 4.125%
HK$228,651
baseline
▲ 0.50% · 4.625%
HK$240,704
+HK$12,053/mo
Deposit HK$4.75M · loan HK$42.76M · min. income ≈ HK$457,302/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,106 · Scale 2, in force from 26 Feb 2026)