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$108,518
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,893
−HK$3,430/mo
Today · 4.125%
HK$115,323
baseline
▲ 0.50% · 4.625%
HK$122,340
+HK$7,017/mo
Deposit HK$23.80M · loan HK$23.80M · min. income ≈ HK$230,646/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,725
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,963
−HK$3,284/mo
Today · 4.125%
HK$127,247
baseline
▲ 0.50% · 4.625%
HK$133,954
+HK$6,707/mo
Deposit HK$23.80M · loan HK$23.80M · min. income ≈ HK$254,494/mo (50% DSR)
Upfront cash ≈ HK$25.82M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,221
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$134,272
−HK$4,115/mo
Today · 4.125%
HK$138,387
baseline
▲ 0.50% · 4.625%
HK$146,808
+HK$8,421/mo
Deposit HK$19.04M · loan HK$28.55M · min. income ≈ HK$276,774/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,870
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$148,755
−HK$3,942/mo
Today · 4.125%
HK$152,697
baseline
▲ 0.50% · 4.625%
HK$160,745
+HK$8,048/mo
Deposit HK$19.04M · loan HK$28.55M · min. income ≈ HK$305,394/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,925
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$156,650
−HK$4,802/mo
Today · 4.125%
HK$161,452
baseline
▲ 0.50% · 4.625%
HK$171,276
+HK$9,824/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$322,904/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,015
−HK$9,131/mo
▼ 0.25% · 3.875%
HK$173,548
−HK$4,598/mo
Today · 4.125%
HK$178,146
baseline
▲ 0.50% · 4.625%
HK$187,536
+HK$9,390/mo
Deposit HK$14.28M · loan HK$33.31M · min. income ≈ HK$356,292/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,332
−HK$12,249/mo
▼ 0.25% · 3.875%
HK$201,408
−HK$6,173/mo
Today · 4.125%
HK$207,581
baseline
▲ 0.50% · 4.625%
HK$220,211
+HK$12,630/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$415,162/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,305
−HK$11,740/mo
▼ 0.25% · 3.875%
HK$223,133
−HK$5,912/mo
Today · 4.125%
HK$229,045
baseline
▲ 0.50% · 4.625%
HK$241,118
+HK$12,073/mo
Deposit HK$4.76M · loan HK$42.83M · min. income ≈ HK$458,090/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,579 · Scale 2, in force from 26 Feb 2026)