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$108,509
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,885
−HK$3,429/mo
Today · 4.125%
HK$115,314
baseline
▲ 0.50% · 4.625%
HK$122,330
+HK$7,016/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$230,628/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,715
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,953
−HK$3,284/mo
Today · 4.125%
HK$127,237
baseline
▲ 0.50% · 4.625%
HK$133,944
+HK$6,707/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$254,474/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,211
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$134,261
−HK$4,116/mo
Today · 4.125%
HK$138,377
baseline
▲ 0.50% · 4.625%
HK$146,796
+HK$8,419/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$276,754/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,859
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,744
−HK$3,941/mo
Today · 4.125%
HK$152,685
baseline
▲ 0.50% · 4.625%
HK$160,733
+HK$8,048/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$305,370/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,913
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,638
−HK$4,801/mo
Today · 4.125%
HK$161,439
baseline
▲ 0.50% · 4.625%
HK$171,262
+HK$9,823/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$322,878/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,002
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,534
−HK$4,598/mo
Today · 4.125%
HK$178,132
baseline
▲ 0.50% · 4.625%
HK$187,522
+HK$9,390/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$356,264/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,317
−HK$12,248/mo
▼ 0.25% · 3.875%
HK$201,392
−HK$6,173/mo
Today · 4.125%
HK$207,565
baseline
▲ 0.50% · 4.625%
HK$220,195
+HK$12,630/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$415,130/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,288
−HK$11,739/mo
▼ 0.25% · 3.875%
HK$223,115
−HK$5,912/mo
Today · 4.125%
HK$229,027
baseline
▲ 0.50% · 4.625%
HK$241,100
+HK$12,073/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$458,054/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,424 · Scale 2, in force from 26 Feb 2026)