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$108,460
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,834
−HK$3,427/mo
Today · 4.125%
HK$115,261
baseline
▲ 0.50% · 4.625%
HK$122,275
+HK$7,014/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$230,522/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,661
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,897
−HK$3,282/mo
Today · 4.125%
HK$127,179
baseline
▲ 0.50% · 4.625%
HK$133,883
+HK$6,704/mo
Deposit HK$23.78M · loan HK$23.78M · min. income ≈ HK$254,358/mo (50% DSR)
Upfront cash ≈ HK$25.80M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,152
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$134,200
−HK$4,114/mo
Today · 4.125%
HK$138,314
baseline
▲ 0.50% · 4.625%
HK$146,730
+HK$8,416/mo
Deposit HK$19.03M · loan HK$28.54M · min. income ≈ HK$276,628/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,793
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,676
−HK$3,939/mo
Today · 4.125%
HK$152,615
baseline
▲ 0.50% · 4.625%
HK$160,660
+HK$8,045/mo
Deposit HK$19.03M · loan HK$28.54M · min. income ≈ HK$305,230/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,844
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,567
−HK$4,799/mo
Today · 4.125%
HK$161,366
baseline
▲ 0.50% · 4.625%
HK$171,185
+HK$9,819/mo
Deposit HK$14.27M · loan HK$33.30M · min. income ≈ HK$322,732/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,925
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$173,455
−HK$4,596/mo
Today · 4.125%
HK$178,051
baseline
▲ 0.50% · 4.625%
HK$187,437
+HK$9,386/mo
Deposit HK$14.27M · loan HK$33.30M · min. income ≈ HK$356,102/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,228
−HK$12,242/mo
▼ 0.25% · 3.875%
HK$201,301
−HK$6,169/mo
Today · 4.125%
HK$207,470
baseline
▲ 0.50% · 4.625%
HK$220,094
+HK$12,624/mo
Deposit HK$4.76M · loan HK$42.81M · min. income ≈ HK$414,940/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,189
−HK$11,734/mo
▼ 0.25% · 3.875%
HK$223,014
−HK$5,909/mo
Today · 4.125%
HK$228,923
baseline
▲ 0.50% · 4.625%
HK$240,990
+HK$12,067/mo
Deposit HK$4.76M · loan HK$42.81M · min. income ≈ HK$457,846/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,021,504 · Scale 2, in force from 26 Feb 2026)