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$108,216
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,582
−HK$3,420/mo
Today · 4.125%
HK$115,002
baseline
▲ 0.50% · 4.625%
HK$121,999
+HK$6,997/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$230,004/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,389
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,617
−HK$3,276/mo
Today · 4.125%
HK$126,893
baseline
▲ 0.50% · 4.625%
HK$133,582
+HK$6,689/mo
Deposit HK$23.73M · loan HK$23.73M · min. income ≈ HK$253,786/mo (50% DSR)
Upfront cash ≈ HK$25.75M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,859
−HK$8,143/mo
▼ 0.25% · 3.875%
HK$133,898
−HK$4,104/mo
Today · 4.125%
HK$138,002
baseline
▲ 0.50% · 4.625%
HK$146,399
+HK$8,397/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$276,004/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,466
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$148,341
−HK$3,931/mo
Today · 4.125%
HK$152,272
baseline
▲ 0.50% · 4.625%
HK$160,298
+HK$8,026/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,544/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,502
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,214
−HK$4,788/mo
Today · 4.125%
HK$161,002
baseline
▲ 0.50% · 4.625%
HK$170,799
+HK$9,797/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$322,004/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,544
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$173,064
−HK$4,586/mo
Today · 4.125%
HK$177,650
baseline
▲ 0.50% · 4.625%
HK$187,014
+HK$9,364/mo
Deposit HK$14.24M · loan HK$33.22M · min. income ≈ HK$355,300/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,788
−HK$12,215/mo
▼ 0.25% · 3.875%
HK$200,847
−HK$6,156/mo
Today · 4.125%
HK$207,003
baseline
▲ 0.50% · 4.625%
HK$219,599
+HK$12,596/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$414,006/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,700
−HK$11,707/mo
▼ 0.25% · 3.875%
HK$222,511
−HK$5,896/mo
Today · 4.125%
HK$228,407
baseline
▲ 0.50% · 4.625%
HK$240,447
+HK$12,040/mo
Deposit HK$4.75M · loan HK$42.71M · min. income ≈ HK$456,814/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,949 · Scale 2, in force from 26 Feb 2026)