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$108,232
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,599
−HK$3,420/mo
Today · 4.125%
HK$115,019
baseline
▲ 0.50% · 4.625%
HK$122,018
+HK$6,999/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$230,038/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,407
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,636
−HK$3,276/mo
Today · 4.125%
HK$126,912
baseline
▲ 0.50% · 4.625%
HK$133,602
+HK$6,690/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$253,824/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,878
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,918
−HK$4,105/mo
Today · 4.125%
HK$138,023
baseline
▲ 0.50% · 4.625%
HK$146,421
+HK$8,398/mo
Deposit HK$18.99M · loan HK$28.48M · min. income ≈ HK$276,046/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,488
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,363
−HK$3,932/mo
Today · 4.125%
HK$152,295
baseline
▲ 0.50% · 4.625%
HK$160,322
+HK$8,027/mo
Deposit HK$18.99M · loan HK$28.48M · min. income ≈ HK$304,590/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,525
−HK$9,502/mo
▼ 0.25% · 3.875%
HK$156,238
−HK$4,789/mo
Today · 4.125%
HK$161,027
baseline
▲ 0.50% · 4.625%
HK$170,825
+HK$9,798/mo
Deposit HK$14.24M · loan HK$33.23M · min. income ≈ HK$322,054/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,570
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$173,091
−HK$4,586/mo
Today · 4.125%
HK$177,677
baseline
▲ 0.50% · 4.625%
HK$187,043
+HK$9,366/mo
Deposit HK$14.24M · loan HK$33.23M · min. income ≈ HK$355,354/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,818
−HK$12,216/mo
▼ 0.25% · 3.875%
HK$200,877
−HK$6,157/mo
Today · 4.125%
HK$207,034
baseline
▲ 0.50% · 4.625%
HK$219,632
+HK$12,598/mo
Deposit HK$4.75M · loan HK$42.72M · min. income ≈ HK$414,068/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,733
−HK$11,709/mo
▼ 0.25% · 3.875%
HK$222,545
−HK$5,897/mo
Today · 4.125%
HK$228,442
baseline
▲ 0.50% · 4.625%
HK$240,483
+HK$12,041/mo
Deposit HK$4.75M · loan HK$42.72M · min. income ≈ HK$456,884/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,017,255 · Scale 2, in force from 26 Feb 2026)