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$109,734
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,148
−HK$3,467/mo
Today · 4.125%
HK$116,615
baseline
▲ 0.50% · 4.625%
HK$123,711
+HK$7,096/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$233,230/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,078
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,352
−HK$3,322/mo
Today · 4.125%
HK$128,674
baseline
▲ 0.50% · 4.625%
HK$135,456
+HK$6,782/mo
Deposit HK$24.06M · loan HK$24.06M · min. income ≈ HK$257,348/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,681
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,777
−HK$4,162/mo
Today · 4.125%
HK$139,939
baseline
▲ 0.50% · 4.625%
HK$148,453
+HK$8,514/mo
Deposit HK$19.25M · loan HK$28.87M · min. income ≈ HK$279,878/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,494
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,423
−HK$3,985/mo
Today · 4.125%
HK$154,408
baseline
▲ 0.50% · 4.625%
HK$162,547
+HK$8,139/mo
Deposit HK$19.25M · loan HK$28.87M · min. income ≈ HK$308,816/mo (50% DSR)
Upfront cash ≈ HK$21.29M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,628
−HK$9,634/mo
▼ 0.25% · 3.875%
HK$158,407
−HK$4,855/mo
Today · 4.125%
HK$163,262
baseline
▲ 0.50% · 4.625%
HK$173,196
+HK$9,934/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$326,524/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,909
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$175,493
−HK$4,650/mo
Today · 4.125%
HK$180,143
baseline
▲ 0.50% · 4.625%
HK$189,639
+HK$9,496/mo
Deposit HK$14.44M · loan HK$33.69M · min. income ≈ HK$360,286/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,521
−HK$12,387/mo
▼ 0.25% · 3.875%
HK$203,666
−HK$6,242/mo
Today · 4.125%
HK$209,908
baseline
▲ 0.50% · 4.625%
HK$222,680
+HK$12,772/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$419,816/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,741
−HK$11,872/mo
▼ 0.25% · 3.875%
HK$225,634
−HK$5,979/mo
Today · 4.125%
HK$231,613
baseline
▲ 0.50% · 4.625%
HK$243,821
+HK$12,208/mo
Deposit HK$4.81M · loan HK$43.31M · min. income ≈ HK$463,226/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$2,045,254 · Scale 2, in force from 26 Feb 2026)