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$108,497
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,872
−HK$3,428/mo
Today · 4.125%
HK$115,300
baseline
▲ 0.50% · 4.625%
HK$122,316
+HK$7,016/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$230,600/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,701
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,939
−HK$3,284/mo
Today · 4.125%
HK$127,223
baseline
▲ 0.50% · 4.625%
HK$133,929
+HK$6,706/mo
Deposit HK$23.79M · loan HK$23.79M · min. income ≈ HK$254,446/mo (50% DSR)
Upfront cash ≈ HK$25.81M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,196
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,246
−HK$4,114/mo
Today · 4.125%
HK$138,360
baseline
▲ 0.50% · 4.625%
HK$146,779
+HK$8,419/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$276,720/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,842
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,726
−HK$3,941/mo
Today · 4.125%
HK$152,667
baseline
▲ 0.50% · 4.625%
HK$160,714
+HK$8,047/mo
Deposit HK$19.03M · loan HK$28.55M · min. income ≈ HK$305,334/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,895
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,620
−HK$4,801/mo
Today · 4.125%
HK$161,421
baseline
▲ 0.50% · 4.625%
HK$171,243
+HK$9,822/mo
Deposit HK$14.27M · loan HK$33.31M · min. income ≈ HK$322,842/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,982
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,514
−HK$4,598/mo
Today · 4.125%
HK$178,112
baseline
▲ 0.50% · 4.625%
HK$187,500
+HK$9,388/mo
Deposit HK$14.27M · loan HK$33.31M · min. income ≈ HK$356,224/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,294
−HK$12,247/mo
▼ 0.25% · 3.875%
HK$201,369
−HK$6,172/mo
Today · 4.125%
HK$207,541
baseline
▲ 0.50% · 4.625%
HK$220,169
+HK$12,628/mo
Deposit HK$4.76M · loan HK$42.82M · min. income ≈ HK$415,082/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,263
−HK$11,738/mo
▼ 0.25% · 3.875%
HK$223,090
−HK$5,911/mo
Today · 4.125%
HK$229,001
baseline
▲ 0.50% · 4.625%
HK$241,072
+HK$12,071/mo
Deposit HK$4.76M · loan HK$42.82M · min. income ≈ HK$458,002/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$2,022,190 · Scale 2, in force from 26 Feb 2026)