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$108,369
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,740
−HK$3,425/mo
Today · 4.125%
HK$115,165
baseline
▲ 0.50% · 4.625%
HK$122,172
+HK$7,007/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$230,330/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,560
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,793
−HK$3,280/mo
Today · 4.125%
HK$127,073
baseline
▲ 0.50% · 4.625%
HK$133,771
+HK$6,698/mo
Deposit HK$23.76M · loan HK$23.76M · min. income ≈ HK$254,146/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,043
−HK$8,155/mo
▼ 0.25% · 3.875%
HK$134,088
−HK$4,110/mo
Today · 4.125%
HK$138,198
baseline
▲ 0.50% · 4.625%
HK$146,607
+HK$8,409/mo
Deposit HK$19.01M · loan HK$28.52M · min. income ≈ HK$276,396/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,672
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$148,552
−HK$3,936/mo
Today · 4.125%
HK$152,488
baseline
▲ 0.50% · 4.625%
HK$160,526
+HK$8,038/mo
Deposit HK$19.01M · loan HK$28.52M · min. income ≈ HK$304,976/mo (50% DSR)
Upfront cash ≈ HK$21.03M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,717
−HK$9,514/mo
▼ 0.25% · 3.875%
HK$156,436
−HK$4,795/mo
Today · 4.125%
HK$161,231
baseline
▲ 0.50% · 4.625%
HK$171,041
+HK$9,810/mo
Deposit HK$14.26M · loan HK$33.27M · min. income ≈ HK$322,462/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,784
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$173,310
−HK$4,592/mo
Today · 4.125%
HK$177,902
baseline
▲ 0.50% · 4.625%
HK$187,280
+HK$9,378/mo
Deposit HK$14.26M · loan HK$33.27M · min. income ≈ HK$355,804/mo (50% DSR)
Upfront cash ≈ HK$16.28M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,065
−HK$12,232/mo
▼ 0.25% · 3.875%
HK$201,132
−HK$6,165/mo
Today · 4.125%
HK$207,297
baseline
▲ 0.50% · 4.625%
HK$219,910
+HK$12,613/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$414,594/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,007
−HK$11,725/mo
▼ 0.25% · 3.875%
HK$222,827
−HK$5,905/mo
Today · 4.125%
HK$228,732
baseline
▲ 0.50% · 4.625%
HK$240,788
+HK$12,056/mo
Deposit HK$4.75M · loan HK$42.77M · min. income ≈ HK$457,464/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,019,814 · Scale 2, in force from 26 Feb 2026)